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Texas down payment assistance
Buy your Texas home with little to no money down.
Most buyers think they need 5% to 20% saved. Texas programs offer up to 5% of your loan amount as a grant or forgivable second lien — for your down payment and closing costs.
- Approved for all Texas state DPA programs
- Soft credit check
- No obligation
- One dedicated loan advisor
What up to 5% could mean for you
$250,000 loan
up to $12,500
$350,000 loan
up to $17,500
$450,000 loan
up to $22,500
Toward your down payment, closing costs and prepaid items.
How Texas assistance works
Never repaid
Grant
Money toward your down payment and closing costs that you never pay back.
Forgiven in 3 years
Forgivable second lien
A 0% second loan with no monthly payment, forgiven in full after three years in your home.
No monthly payment
Deferred second lien
A 0% second loan with no monthly payment, paid back only when you sell, refinance or pay off the home.
Texas programs we'll compare for you
CMG Home Loans is approved for every Texas state program below — TSAHC and TDHCA — so your dedicated loan advisor handles both your loan and your assistance directly, with no handoffs. You don't have to figure out which one fits.
TSAHC
Home Sweet Texas
Up to 5% of your loan amount as a grant or a 3-year forgivable second lien, paired with a fixed-rate mortgage. First-time and repeat buyers.
Check my optionsTSAHC
Homes for Texas Heroes
The same assistance for teachers, first responders, veterans, nurses faculty and more — plus a lender credit up to $5,000 toward closing costs through Dec 31, 2026.
Explore Texas HeroesTDHCA
My First Texas Home
Up to 5% for down payment and closing costs with a 30-year fixed rate, built for first-time buyers and veterans.
Check my optionsTDHCA
My Choice Texas Home
Up to 5% for down payment and closing costs with a 30-year fixed rate, open to repeat buyers too.
Check my optionsLocal
City & county programs
Some North Texas cities and counties run their own assistance. Your advisor checks what's available for the home's address.
Check my optionsTexas down payment assistance, explained
Common questions about Texas down payment help
Texas runs statewide assistance through the Texas State Affordable Housing Corporation (TSAHC) and the Texas Department of Housing and Community Affairs (TDHCA). Here's how it works in plain language.
It covers more than the down payment
Assistance can go toward your down payment, closing costs and prepaid items like insurance and taxes — the cash you'd otherwise bring to closing.
A tax credit for first-time buyers
First-time buyers can often pair assistance with a Mortgage Credit Certificate, a federal tax credit on part of the mortgage interest you pay each year.
Common questions
Is there down payment assistance in Texas?
Yes. TSAHC's Home Sweet Texas and Homes for Texas Heroes programs and TDHCA's My First Texas Home and My Choice Texas Home programs offer help statewide, and some cities and counties add their own.
Do I have to be a first-time home buyer?
No. Home Sweet Texas and My Choice Texas Home are open to repeat buyers too. My First Texas Home is built for first-time buyers and veterans.
How much assistance can I get?
Statewide programs offer up to 5% of your loan amount. On a $300,000 loan, that's up to $15,000 toward your down payment and closing costs.
Do I have to pay it back?
It depends on the type you choose. A grant is never repaid. A forgivable second lien is forgiven after three years in the home. A deferred second lien has no monthly payment and is paid back when you sell, refinance or pay off the home.
Can assistance pay my closing costs?
Yes. Assistance can go toward closing costs and prepaid items as well as the down payment.
Is down payment assistance worth a slightly higher rate?
Assistance loans can carry a slightly different rate than a standard loan. Your advisor puts both side by side — the cash you keep at closing and the monthly payment — so you choose with real numbers.
Not quite your situation?
Other ways to get home
Rather talk it through?
Pick a time on Dana's calendar for a one-on-one call. No obligation.