Every state has down payment or homeownership assistance programs; some states have both. The programs are designed to provide affordable housing opportunities to homebuyers who might not ordinarily be able to afford a house.
Each program can have their own income and eligibility requirements but primarily the programs are available for first-time homebuyers or low-income families.
Keep in mind if you had no ownership in a principal residence in the previous 3 years, you are also considered a first-time homebuyer even if you owned a home prior to that 3-year period.
The programs are not usually administered directly through the State. Instead, they are nonprofit based and handled through a third party agency. The list below will start you on your search but be sure to confirm the program is currently available.
Statewide and Regional Programs
Texas Department of Housing and Community Affairs – homebuyer programs, including downpayment and closing cost assistance
U.S. Department of Agriculture Rural Housing – homebuyer programs in rural communities
Texas Affiliates of Habitat for Humanity – through volunteer labor, builds and rehabilitates houses for families in need
Texas Veterans Land Board – assistance for qualified Texas veterans
Texas State Affordable Housing Corporation
Programs by City
Brownsville Community Development Corporation
Dallas, Enterprise Foundation
Houston Homebuyer Hotline: (713) 522-HOME
McAllen Affordable Homes, Inc.
San Antonio Housing Trust Foundation
Programs by County
Captial Area Counties
Jefferson County: (409) 654-6700
Southeast Texas: (281) 484-4663
Covers the following counties: Galveston, Waller, Walker, Wharton, Matagorda, Austin, Chambers and Liberty; and the following cities in Harris County: Deer Park, LaPorte, Shore Acres, Tomball, Baytown, and Pasadena.
Tarrant County resources