Forgivable loan
First Time Home Buyer Program - HOME
First-time homebuyers · Income limits · Single-family detached, townhouse, condominium, PUD.
Down payment assistance · Wichita County
Buying a home in Wichita Falls, TX
2 Wichita Falls programs and 50 statewide.Wichita Falls has 2 programs of its own, and 50 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Wichita Falls’s own programs
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Wichita Falls First Time Home Buyer Program
First-time homebuyers · Income limits · Single-family
The Wichita Falls marketThe Wichita Falls housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Wichita Falls
- 68.8% single-familysingle-family
- 1.7% townhousetownhouse
- 8.7% 2–4 units2–4 units
- 18.2% 5+ unitscondo & apartment buildings (5+ units)
- 2.6% mobile & othermobile home & other
Condos count. 1 of Wichita Falls’s 2 local and county programs accept condos. Wichita Falls First Time Home Buyer Program lists single-family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Wichita Falls’s homes were built
pre-19401970s2020+
64.2%
of Wichita Falls homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$91,200
County area median income, 4 people (HUD)HUD area median income, Wichita County, 4-person household (2026)
$60,177
Wichita Falls median household incomeMedian household income in Wichita Falls (Census, 2024)
24 of the 114 programs here set their income limit as a share of Wichita County’s area median income, adjusted for household size. See the published limits for Wichita County
Free help nearbyFree help near Wichita Falls
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Wichita Falls’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.First Time Home Buyer Program - HOME asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Texas and nationwide
112 statewide & federal programs50 statewide programs, plus federal options
Wichita Falls questions
Does Wichita Falls have its own down payment program?
Yes, 2: First Time Home Buyer Program - HOME and Wichita Falls First Time Home Buyer Program. Each is for homes inside Wichita Falls.
Can I use assistance on a condo in Wichita Falls?
1 of Wichita Falls’s 2 local and county programs accept condos. Wichita Falls First Time Home Buyer Program lists single-family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Wichita County?
Each program sets its own. 24 of the programs here set theirs as a share of HUD’s area median income for Wichita County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Wichita Falls?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
76301 · 76302 · 76305 · 76306 · 76307 · 76308 · 76309 · 76310
Sources
Sources: agency sites (July–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.