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Texas First-Time Home Buyer Programs 2026

If you're buying your first home in Texas, there are multiple programs that can help with down payment, closing costs, and even mortgage credit certificates. Here are the key programs available to DFW buyers in 2026.

Researched by the TruReport editorial team · Updated 2026-07-26 · Editorial standards

TSAHC - Texas State Affordable Housing Corp

TSAHC offers down payment assistance grants (not loans - no repayment) to qualifying first-time buyers:

  • Home Sweet Texas: 3–5% grant of loan amount (any income level in targeted areas)
  • Home for Texas Heroes: Extra benefits for teachers, firefighters, police, veterans
  • Income limits: ~$90,000–$130,000 depending on county and family size
  • Works with FHA, VA, USDA, and conventional loans
  • Used by 10,000+ Texas families per year

My First Texas Home (TDHCA)

The Texas Department of Housing and Community Affairs program offers:

  • 30-year fixed rate mortgage at competitive interest rates
  • Up to 5% down payment assistance as a second lien (0% interest, deferred)
  • Must be first-time buyer (or not owned in 3+ years)
  • Purchase price limits: up to $400,000 for most DFW areas

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Full guide includes: 5 more DFW-specific programs (city of Dallas, Plano, Garland assistance), income/purchase price tables by county, how to apply step-by-step, and which lenders participate.

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