Texas Down Payment Assistance Programs
Para hablar con un especialista de Asistencia de pago inicial, Por favor de llamar al 281-248-2100, hablamos español.
Harris County offers up to $23,8000 in Down Payment Assistance.
Maximum Annual Household Income Limits
| Household Size | Income |
| 1 | $41,950 |
| 2 | $47,950 |
| 3 | $53,950 |
| 4 | $59,900 |
| 5 | $64,700 |
| 6 | $69,500 |
| 7 | $74.300 |
| 8 | $79,100 |
*Income Is determined on the projected 12 months household income.
Montgomery County offers up to 14,500 in Down Payment Assistance.
Maximum Annual Household Income Limits
| DPA | $ 14,500 | |
| Household Size | Income | |
| 1 | $ 41,950 | |
| 2 | $ 47,950 | |
| 3 | $ 53,950 | |
| 4 | $ 59,900 | |
| 5 | $ 64,700 | |
| 6 | $ 69,500 | |
| 7 | $ 74,300 | |
| 8 | $ 79,100 |
*Income Includes any payments from employment, child support, recurring gifts, etc. Household income limits are subject to change.
TSAHC offers a non repayable bond or grant of up to 5% of the loan amount in the Texas Heroes Program for Teachers, Police Officers, Firemen, Veterans and others as well as the Home Sweet Home Program for everyone else.
SETH offers a non repayable grant or a second lien of up to 4% of the loan amount.
City of Houston offers 30,000 in Down Payment Assistance.
Maximum Annual Household Income Limits
| DPA | $ 30,000 | |
| Household Size | Income | |
| 1 | $ 41,950 | |
| 2 | $ 47,950 | |
| 3 | $ 53,950 | |
| 4 | $ 59,900 | |
| 5 | $ 64,700 | |
| 6 | $ 69,500 | |
| 7 | $ 74,300 | |
| 8 | $ 79,100 |
*Income Includes any payments from employment, child support, recurring gifts, etc. Household income limits are subject to change.
TDHCA Program 79 offers a second lien of 5% of the loan amount. (There are no payments and no interest on the 2nd lien. It is paid off when the house is sold or refinanced)
Receive a 40% tax credit on the interest you pay each and every year you have the mortgage with a max of $2,000 per year. This is cash to you, not a deduction
Below is an example of the MCC Tax Savings. It assumes a family purchases a home with a $200,000 loan amount at a 5% interest rate. Interest paid the first year is approximately $10,000.
*In this example, the home buyer would be entitled to a tax credit of the maximum $2,000. With this scenario the buyer would receive the full $2,000 a year for the first 14 to 15 years of the loan (if making only the scheduled payment) which comes out to a minimum of $28,000 and then starts to go down as the loan is paid off.
*Terms and conditions can change at any time