Your real Texas affordability, the TSAHC Down Payment Assistance Grants match, and a step-by-step plan — in 30 seconds. No email required.
Calculate your Texas number — free →Borrowers choose an assistance level of 2%, 3%, 4% or 5% of the total loan amount, taken either as a non-repayable grant or as a three-year deferred forgivable second lien.
Official Texas program page →Texas's main statewide option is the TSAHC Down Payment Assistance Grants — grant (non-repayable) administered by the agency or organization shown on its official program page. Many cities and counties in Texas add their own programs on top, so it is worth checking all three levels.
It depends on your income, debts and credit. The calculator applies the FHA 31%/43% debt-to-income rule to estimate your price, then shows how much of your down-payment gap Texas assistance could cover. Most buyers pair it with a 3% conventional or 3.5% FHA down payment.
Many state programs set a 620 minimum credit score alongside income limits based on area median income. Exact requirements are set by the agency — verify current terms on the official TSAHC Down Payment Assistance Grants page before applying.