Help With Upfront Costs
Explore assistance that could reduce the cash needed to buy.
4 PROGRAMS
TEXAS HOMEBUYERS
DESERVE MORE.
UP TO$25,000+
DOWN PAYMENT ASSISTANCE
Explore four homebuying assistance options, including grants and programs that could help you buy your next Texas home.
Assistance amounts depend on the home price, loan program, county limits, and available assistance options. Eligibility and program terms apply.
PERSONALIZED DPA OPTIONS
See Which Texas Homebuying Options May Fit You.
Completing these questions helps connect you with a NextGen professional for more information about homebuying and down payment assistance options.
- Explore grant and repayable options
- See the potential dollar amounts
- Get guidance from Troy at NextGen
YOUR DPA OPTIONS REQUEST
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TEXAS DOWN PAYMENT ASSISTANCE PROGRAM ASSISTANCE COMPARISON BOARD
4 Ways to Get Help Buying a Home
Choose your Texas county and home price. Move the slider to see how the example dollar amounts change. Select an option to see whether you would repay it.
SEE WHAT ASSISTANCE COULD LOOK LIKE
2026 FHA one-unit base loan limit: Select a county
Maximum example purchase price at 3.5% down: Select a county
Assumed FHA down payment: 3.5% · $14,875
$150,000Select county
Assistance is money that may help with upfront costs. It is separate from your required down payment. These examples do not show your total cash needed to close, which may include other costs.
Examples multiply purchase price by the selected assistance percentage; actual assistance may use a different base. The county FHA base loan limit is divided by 96.5% to illustrate a purchase price with 3.5% down. FHA limits do not establish individual DPA program limits. DPA caps, eligibility, financing costs, and availability require separate review. These are assistance examples; program eligibility and actual limits require separate review.
WHY EXPLORE ASSISTANCE?
More Ways to Buy a Home in Texas
Compare assistance structures and get personal guidance for your Texas homebuying plans.
Four Assistance Options
Compare grants, forgivable assistance, and repayable programs.
Texas Homebuying Guidance
Explore options based on your home price and county.
Personal Guidance
Understand program structures and next steps with Troy.
QUESTIONS, ANSWERED
Texas Homebuying Questions
How much down payment assistance is available in Texas?
The calculator shows separate 2%, 3.5%, 3.5% forgivable, and 5% repayable assistance examples. Not every option is available to every Texas buyer. Actual assistance depends on the selected program, calculation basis, limits, eligibility, and availability.
Do I have to be a first-time homebuyer?
Not necessarily. Some options permit qualifying repeat buyers. Other loan and program requirements still apply.
Are Texas down payment grants required to be repaid?
The 2% and 3.5% grants described here do not require repayment of the grant itself under applicable program terms. A second mortgage is an extra loan on your home. The 5% repayable option requires monthly payments with interest.
How does forgivable assistance work?
The 3.5% forgivable option is a 0% second mortgage with no monthly payments. It may be forgiven after five years if conditions are met; an early sale, refinance, or transfer may trigger repayment.
Can I use assistance with an FHA loan?
Assistance may be available with eligible FHA financing, subject to the specific program and underwriting requirements. FHA county loan limits do not establish DPA eligibility or guarantee assistance.
Does the amount depend on my county or home price?
The examples multiply your selected home price by each assistance percentage. County limits affect the maximum FHA base loan and the illustrated purchase-price range. Individual DPA programs may have separate limits and calculation rules.
YOUR TEXAS DOWN PAYMENT ASSISTANCE PROGRAM MORTGAGE ADVISOR
A Real Person.
Real Experience. Real Guidance.
TX YOUR MORTGAGE PROFESSIONAL
Troy Schuricht
Sales Manager — NextGen Financial Services
NMLS #262655
Helping Texas homebuyers understand their options, compare assistance programs, and move toward homeownership with confidence.
25+YEARS OF MORTGAGE EXPERIENCE
1,500+HOMEBUYERS HELPED
First-TimeHOMEBUYER SPECIALIST
Why Choose Troy?
Explore assistance examples and initial homebuying questions without a credit pull. A mortgage application or later loan review may require a credit inquiry; Troy can explain the available options first.
From your initial questions through closing, Troy helps you understand your financing options, what to expect, and what comes next.
Explore conventional, FHA, VA, ARM, Jumbo, and other available financing options, subject to program requirements and eligibility.