Down Payment & Closing Cost Assistance

Texas veterans may qualify for state and local programs that can sometimes work with VA financing.

TSAHC Homes for Texas Heroes

Texas

Veterans qualify as “Texas Heroes” under TSAHC. This program provides:

Up to 5% down-payment assistance as a grant or 3-year deferred forgivable second lien
15% Mortgage Credit Certificate (MCC) for first-time buyers — free with DPA for Texas Heroes
Works with VA, FHA, and USDA financing

Income and purchase-price limits apply. Rates change — verify current rates before relying on them.

TSAHC Heroes TSAHC Rates

TDHCA Programs

Texas

My First Texas Home

Veterans have an exception to the first-time buyer requirement. DPA and competitive rates through participating lenders.

My Choice Texas Home

No first-time buyer requirement. DPA through participating lenders.

Mortgage Credit Certificate (MCC)

Reduces federal tax liability by providing a tax credit equal to a percentage of annual mortgage interest paid. Must be reserved through program/lender before closing. Veteran-eligible.

TDHCA Programs TDHCA MCC

Local DPA Programs (DFW)

Local

Fort Worth HAP

Up to $25,000 for first-time homebuyers within Fort Worth city limits. Must be ≤80% AMI. 10-year affordability period for assistance >$14,999.

Dallas DHAP

Up to $50,000 ($60,000 in High Opportunity Areas) within Dallas city limits. BCL administered since May 1, 2026. Income and property limits apply.

TDHCA DFW HFC Partnerships

Denton County, City of Arlington, City of Rowlett, City of McKinney — veteran access highlighted.

Fort Worth HAP Dallas DHAP TDHCA HFC

Stacking multiple DPA programs is not automatic — each program and lender must approve the financing structure. Subordinate-lien rules, maximum assistance caps, source-of-funds requirements, income limits, and recapture provisions may prevent combining programs.

Rates and amounts are subject to change. All figures should be verified with the administering program before making decisions.