DOWN PAYMENT PROGRAMS

Up to 5% of Loan

Statewide grant for first-time buyers. Forgivable over 3 years. Combine with FHA or Conventional.

• No repayment if you live in home 3 years
• Minimum 620 credit score
• Income limits apply by county

Up to 5% DPA

Texas Department of Housing program offering down payment and closing cost assistance statewide.

• 30-year fixed rate
• DPA as a forgivable second lien
• Available in all Houston counties

Up to $25,000

Houston Homebuyer Assistance Program for low-to-moderate income families buying inside city limits.

• Forgivable over 5 years
• Must complete buyer education
• Income and purchase price limits

100% Financing

Active military, veterans, and eligible spouses buy with no down payment and no mortgage insurance.

• No PMI ever
• Competitive fixed rates
• Funding fee may be waived for disability

100% Financing

Zero-down financing for homes in eligible suburban and rural areas around Greater Houston.

• No down payment required
• Low mortgage insurance
• Available in parts of Waller, Liberty, Brazoria

3.5% Down

Flexible credit guidelines with low down payment. Stackable with DPA grants for near-zero out of pocket.

• Credit scores from 580
• Gift funds allowed
• Assumable loans