Your Down Payment Savings Plan Starts Here

Eligibility: First-time buyers (or not owned a home in 3 years), income limits apply, must complete homebuyer education course.

Assistance: Up to 5% of loan amount for down payment and closing costs as a forgivable grant. Also offers a 30-year fixed-rate mortgage with below-market rates.

How to apply: Work with a TSAHC-approved lender. Your real estate agent can connect you with one.

Eligibility: First-time homebuyers or veterans, income and purchase price limits vary by county, must contribute at least $1,000 of your own funds.

Assistance: Up to 5% of loan amount for down payment and closing costs through the My First Texas Home program. Also offers mortgage credit certificates (MCC) for a federal tax credit.

How to apply: Find a TDHCA-approved lender through their website.

Eligibility: Available in certain Texas counties, income limits apply. Must work with a SETH-participating lender.

Assistance: Up to 5% of the loan amount for down payment and closing costs as a grant. Also offers competitive interest rates.

How to apply: Contact a SETH-approved lender in your area.

Eligibility: Credit score as low as 580 (3.5% down) or 500-579 (10% down). Debt-to-income ratio below 43% typically. Property must meet FHA standards.

Benefits: As low as 3.5% down payment. Down payment can be from a gift or grant. Seller can contribute up to 6% toward closing costs.

How to apply: Any FHA-approved lender can originate these loans. Lisa can refer you to trusted local lenders.

Eligibility: Active-duty military, veterans, and eligible surviving spouses with a valid Certificate of Eligibility (COE).

Assistance: 0% down payment required. No PMI. Competitive interest rates. Limited closing costs. No minimum credit score set by the VA (lenders may have their own requirements).

How to apply: Apply through any VA-approved lender. Lisa is a Military Relocation Professional and can guide you through every step.

Eligibility: Property must be in a USDA-eligible rural or suburban area. Income limits apply (typically 115% of area median income). Must be owner-occupied.

Assistance: 0% down payment. Below-market interest rates. Reduced mortgage insurance compared to FHA loans.

How to apply: Find a USDA-approved lender. Many areas in Central Texas (including parts of Bell County and Williamson County) qualify.

Eligibility: Income-based qualification, must demonstrate need and willingness to partner (sweat equity hours).

Assistance: Zero-interest mortgage with affordable payments. Down payment via sweat equity (500+ hours of volunteer work building homes).

How to apply: Contact your local Habitat for Humanity chapter in the Austin or Central Texas area.

Austin: City of Austin Down Payment Assistance Program offers up to $40,000 in deferred forgivable loans for eligible first-time buyers. Income limits apply.

Round Rock: Various local programs and grants through community housing development organizations.

Georgetown: Check with the Georgetown Housing Authority for first-time buyer resources and down payment assistance.

Travis/Bell/Williamson Counties: Each county offers different programs. Lisa can connect you with a local mortgage advisor who specializes in assistance programs in your area.