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Port Arthur Homebuyer Program

Port Arthur, Texas

Last verified
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Income limit

80% AMI

Of area median income; varies by county and household size

Repayment

Grant

Not repaid

What is Port Arthur Homebuyer Program?

Port Arthur Homebuyer Program is a grant for homebuyers in Port Arthur, Texas.

  • The City of Port Arthur Homebuyer Program, administered in partnership with Legacy CDC, provides deferred forgivable loans of up to $40,000 for new construction or up to $14,995 for existing homes within Port Arthur city limits. Buyers must be income-qualified at or below 80% AMI, complete homebuyer education, and occupy the property as their primary residence for 5–10 years.
  • Up to $40,000 for new construction.
  • Up to $14,995 for existing homes.
  • Deferred forgivable loan.
  • HUD-certified housing counseling included.
  • Covers down payment and closing costs.
  • Funding comes from Federal (CDBG/HOME).

Do you have to pay it back?

Port Arthur Homebuyer Program is structured as a grant, so it is not repaid.

  • Repayment is triggered by Sale and No Longer Primary.
  • The assistance is recorded in 2nd Lien position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Port Arthur Homebuyer Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A completed homebuyer education course
  • Citizenship or immigration status: yes

The program excludes

  • Households above 80% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Port Arthur Homebuyer Program limits household income to 80% of the area median income, which varies by county and household size.

  • Household income between 30%–80% of area median income (HUD-defined, adjusted for family size).
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Port Arthur Homebuyer Program can be used for Single-family.

  • New construction is eligible.

Where does it apply?

Port Arthur Homebuyer Program serves buyers purchasing in Port Arthur, Texas.

How do you apply?

Applications for Port Arthur Homebuyer Program go through the administering agency, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program before funds are reserved.

  2. Contact the administering agency to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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