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Complete Guide to State & City Programs in Dallas, Fort Worth, Plano, Arlington, Irving, Garland, McKinney, and More

Statewide Programs City Programs Eligibility Application Process

Discover Dallas-Fort Worth's most comprehensive down payment assistance programs. From Dallas's generous $60,000 DHAP program to Tarrant County's $50,000 assistance and statewide Texas programs, find the financial support you need to make homeownership a reality in the DFW metroplex.

Why Dallas-Fort Worth Offers Exceptional Down Payment Assistance

The Dallas-Fort Worth metroplex provides one of the nation's most robust down payment assistance ecosystems, combining generous city programs, county initiatives, state resources, and nonprofit partnerships. With Dallas offering up to $60,000, Tarrant County providing $50,000, and Fort Worth contributing $25,000, DFW homebuyers have access to more substantial assistance than most metropolitan areas in the United States. The Texas State Affordable Housing Corporation (TSAHC) and Texas Department of Housing and Community Affairs (TDHCA) further expand options with specialized programs for educators, veterans, first responders, and all Texas homebuyers.

DFW Advantage

Why Dallas-Fort Worth Leads Texas in Down Payment Assistance

Highest City Assistance in Texas: Dallas DHAP offers up to $60,000 - the most generous city program in the state
Multiple Layers of Support: City, county, state, and nonprofit programs all available simultaneously
Geographic Coverage: Every major DFW city participates in multiple assistance programs
Hero Professions Priority: Special programs for teachers, police, firefighters, veterans, and healthcare workers
Flexible Income Limits: Programs serve households earning up to $153,440 annually
First-Time and Repeat Buyers: Many programs don't require first-time buyer status
Forgivable Structure: Most assistance forgives after 5-10 years of occupancy
Strong Market: DFW's booming economy and housing market make homeownership attainable with assistance

💡 Key Insight: Dallas-Fort Worth's down payment assistance programs work with conventional, FHA, VA, and USDA loans. Most programs are structured as forgivable second mortgages, meaning you could receive thousands in assistance that disappears over time as you build equity. Dallas's program offers up to $60,000 in High Opportunity Areas - nearly double what most major cities provide. This isn't money you repay monthly; it's assistance designed to help you become a homeowner and stay in your home long-term.

Statewide Texas Down Payment Assistance Programs

Available Throughout the Dallas-Fort Worth Metroplex

🏠 TSAHC - Texas State Affordable Housing Corporation

Statewide Down Payment Assistance with Mortgage

Created by the Texas Legislature, TSAHC provides down payment assistance to homebuyers throughout Texas including all DFW cities. The organization offers DPA as either a grant (no repayment) or deferred forgivable loan (only repaid if you sell or refinance within 3 years). TSAHC has helped thousands of DFW residents achieve homeownership.

Assistance Options: Grant or deferred forgivable second lien loan for DPA
Grant Structure: Grant does not require repayment at all
Loan Structure: Deferred loan only repaid if sold/refinanced within 3 years
Credit Score: Minimum 620 FICO score required
Income Requirements: Income limits apply based on household size
Education Required: Approved homebuyer education course mandatory
Two Programs: Homes for Texas Heroes (hero professions) and Home Sweet Texas (all buyers)

🎖️ Homes for Texas Heroes

TSAHC Program for Hero Professions

This specialized TSAHC program provides down payment assistance and competitive mortgage rates to Texas hero profession workers. Eligible professions include educators, police, firefighters, EMS, veterans, active military, corrections officers, and healthcare faculty - all critical to DFW communities.

Eligible Professions: Teachers, teacher aides, librarians, counselors, nurses (public schools)
Public Safety: Police officers, public security officers, firefighters, EMS personnel
Military: Veterans and active-duty military personnel
Other Heroes: Corrections officers, juvenile corrections, nursing/allied health faculty
Same Assistance: Same DPA options as Home Sweet Texas program
Mortgage Options: Competitive 30-year fixed-rate mortgages available
DFW Coverage: Available throughout Dallas, Fort Worth, and all surrounding cities

🏡 Home Sweet Texas

TSAHC Program for All Homebuyers

If you don't qualify for a hero profession, Home Sweet Texas offers the same down payment assistance benefits to all eligible Texas homebuyers. This program provides flexibility with grant or loan options, working with participating lenders throughout the DFW area.

Eligibility: Open to all Texas homebuyers who meet credit/income requirements
Assistance Structure: Choose between grant or deferred forgivable loan
Repayment Terms: Loan only repaid if sold/refinanced within 3 years
Credit Requirement: 620+ FICO score minimum
Education: Homebuyer education course required before closing
Participating Lenders: Work through TSAHC-approved mortgage lenders
Geographic: Available in all DFW cities and throughout Texas

🌟 My First Texas Home

TDHCA Program with MCC Option

The Texas Department of Housing and Community Affairs (TDHCA) My First Texas Home program offers flexible down payment assistance combined with low-interest mortgages. First-time buyers can also apply for a Mortgage Credit Certificate (MCC) providing annual federal tax credits.

Down Payment Assistance: Flexible DPA amounts available
Low Interest Rates: Below-market mortgage interest rates offered
MCC Available: Mortgage Credit Certificate provides annual tax credits
First-Time Buyer: Generally for first-time homebuyers
Income Limits: Household income restrictions apply
Sales Price Limits: Maximum home purchase price restrictions
Experienced Network: Network of approved mortgage and real estate professionals

🎯 My Choice Texas Home

TDHCA Program for Repeat Buyers

My Choice Texas Home extends TDHCA assistance to repeat homebuyers who don't meet the first-time buyer definition. This program recognizes that many Texans need assistance even if they've owned before, making homeownership accessible to more DFW residents.

Repeat Buyers: Don't need to be first-time homebuyer
Down Payment Assistance: Flexible DPA available
Low Interest Mortgage: Competitive below-market rates
Income Requirements: Household income limits apply
Sales Price Limits: Maximum home price restrictions
Professional Network: TDHCA-approved lenders and realtors
Statewide Access: Available throughout DFW and Texas

🤝 FHLB Dallas HELP Program

Homebuyer Equity Leverage Partnership

The Federal Home Loan Bank of Dallas provides down payment and closing cost assistance to income-qualified first-time homebuyers through participating member financial institutions. This program allocated $17 million for 2026, demonstrating strong commitment to DFW homeownership.

2026 Allocation: $17 million allocated for the year
First-Time Buyers: Must be first-time homebuyer
Income Qualified: Income restrictions apply
Down Payment & Closing: Funds usable for both down payment and closing costs
Member Institutions: Work through participating FHLB Dallas member banks
Financial Support: Provides crucial assistance to bridge the affordability gap
DFW Coverage: Available to eligible buyers throughout the metroplex

Mortgage Credit Certificate

📊 Texas Mortgage Credit Certificate (MCC) Program

First-time homebuyers in Texas can apply for a Mortgage Credit Certificate through TDHCA, which converts a portion of mortgage interest into a direct federal tax credit. This can save you thousands annually.

Annual Tax Credit: Reduces your federal income tax liability every year
First-Time Buyers: Must meet first-time homebuyer definition
Combined with DPA: Can be used alongside down payment assistance programs
Income Limits: Household income restrictions apply
Sales Price Limits: Maximum home purchase price requirements
Life of Loan: Tax credit available for as long as you own and occupy the home
Increase Buying Power: Tax savings can help you afford higher monthly payment

View City-Specific Programs Check Eligibility Requirements

City & County-Specific Down Payment Assistance

Discover generous local programs in addition to statewide options

Dallas, TX

🏆 Texas's Highest City Down Payment Assistance - Up to $60,000

Dallas Homebuyer Assistance Program (DHAP)

Dallas offers the most generous city-level down payment assistance program in Texas through DHAP, providing up to $60,000 in High Opportunity Areas and $50,000 in other Dallas locations. The program uses forgivable deferred loans that are interest-free with no monthly payments, prorated annually based on occupancy. This exceptional assistance makes Dallas homeownership attainable even with the competitive market prices.

Maximum Assistance: $60,000 in High Opportunity Areas; $50,000 elsewhere in Dallas
Program Type: Forgivable deferred loan (second lien)
Interest & Payments: 0% interest, no monthly payments
Forgiveness: Prorated annually based on affordability period (residency term)
Income Limit: 80% of Area Median Income (AMI) - $65,700 for 1 person, $93,850 for 4 people
Sales Price Limit: $342,000 maximum for both existing and new construction (as of Sept 2024)
Debt-to-Income: Housing payment cannot exceed 35% of gross monthly income
Citizenship: Must be U.S. Citizen, Permanent Resident, or Eligible Immigration Status
Education Required: Pre-purchase homebuyer education course through approved provider
Application Period: October 1st through July 31st annually
Additional Programs: Targeted Occupations and Anti-Displacement programs also available

Anti-Displacement Option: Long-term Dallas residents (10+ years) with income between 50-120% AMI can access up to $50,000 with NO sales price limit for homes in targeted areas.

Fort Worth, TX

🏘️ Fort Worth Homebuyer Assistance Program - Up to $25,000

City of Fort Worth HAP Program

Fort Worth provides up to $25,000 in forgivable down payment and closing cost assistance to first-time homebuyers through the Homebuyer Assistance Program (HAP). The program offers flexible fund usage options and forgives completely after 10 years of primary residence occupancy. Administered by the Neighborhood Services Department, HAP has helped hundreds of Fort Worth families achieve homeownership.

Maximum Assistance: Up to $25,000 (10-year residency) or $14,999 (5-year residency)
Program Type: Forgivable loan with deed of trust
Forgiveness: Full forgiveness after 10 years (or 5 years for amounts up to $14,999)
Usage Options: 3% for closing costs + remainder for down payment, OR all for down payment only
Income Limit: 80% of Area Median Income - varies by household size
First-Time Buyer: Must not have owned home in last 3 years (displaced homeowners may qualify)
Property Location: Must be within Fort Worth city limits
Sales Price: Cannot exceed 95% of area median sales price
Buyer Contribution: Minimum $1,000 or 2% of purchase price required from buyer
Cash Reserves: Two months mortgage payments in reserve required
Education: Mandatory homeownership training through HUD-approved agency
Inspections: Property must pass Minimum Acceptable Standards and Environmental Review

Tarrant County

💰 Tarrant County Homebuyer Assistance - Up to $50,000

Tarrant County DPA Program

Tarrant County offers exceptional down payment and closing cost assistance up to $50,000 for eligible first-time homebuyers. This county-level program covers Fort Worth, Arlington, and other Tarrant County cities, providing substantial support that rivals major city programs. Applications are limited and competitive, so eligible buyers are encouraged to apply early when funding becomes available.

Maximum Assistance: Up to $50,000 for down payment and closing costs
First-Time Buyers: Must be first-time homebuyer
Income Qualified: Income eligibility requirements apply
Limited Funding: Applications accepted when funding available - apply early
Geographic Coverage: Available throughout Tarrant County
Cities Included: Fort Worth, Arlington, and other Tarrant County municipalities
Competitive: High demand program with limited annual funding
Application Process: Monitor Housing Channel website for application periods

Recent News: In late 2024, Tarrant County reopened applications for this program after receiving new funding allocation. Monitor local housing resources for future availability.

Plano, TX

📚 Plano First-Time Homebuyers Program - Up to $55,000

City of Plano FTHB Program

Plano offers two assistance tiers through its First-Time Homebuyers Assistance and Educational Program: up to $10,000 or up to $55,000 depending on eligibility and need. The program provides financial assistance as deferred payment loans for down payments and closing costs, helping low and moderate-income households purchase homes within Plano city limits.

Assistance Tiers: Up to $10,000 OR up to $55,000 (based on eligibility)
Program Type: Deferred payment loans for down payment and closing costs
Eligible Applicants: First-time homebuyers OR those who haven't owned in 3 years
Income Target: Low and moderate-income households
Property Location: Must purchase within Plano city limits
Education Component: Homebuyer education and counseling provided
Goal: Help eligible households overcome down payment barrier
Program Administration: City of Plano Housing Development

Arlington, TX

🎯 Arlington Homebuyers Assistance - Up to $20,000

City of Arlington HAP

Arlington provides down payment and closing cost assistance up to $20,000 for income-eligible first-time homebuyers with modest incomes. The city actively promotes homeownership assistance to help residents overcome the financial barriers to buying their first home in Arlington's competitive housing market.

Maximum Assistance: Up to $20,000 for down payment and closing costs
First-Time Buyers: Must be first-time homebuyer
Income Eligible: For households with modest incomes (income limits apply)
Property Location: Must purchase within Arlington city limits
City Promotion: Arlington actively promotes program to qualified residents
Additional Resources: Tarrant County $50K program also available to Arlington buyers
Combined Opportunities: Can access both city and county programs

McKinney, TX

🎁 McKinney Homebuyer Assistance - $10,000 Plus Bonus

City of McKinney Programs

McKinney offers up to $10,000 through its First-Time Homebuyers Purchase Assistance Program, with an additional $5,000 bonus available through TDHCA's McKinney Gift Funds program for eligible borrowers using state DPA programs. This combination provides up to $15,000 total in city-sponsored assistance.

Base Assistance: Up to $10,000 through city program
McKinney Gift Funds: Additional $5,000 for TDHCA DPA users in McKinney city limits
Total Potential: Up to $15,000 combining both programs
Income Limits: 100% AMI for 1-2 persons ($103,100); 115% AMI for 3+ persons ($118,565)
First-Time Buyers: Generally required for city program
Property Location: Must be within McKinney city limits
Gift Funds Eligibility: Any new or existing TDHCA DPA reservation in McKinney

Garland, TX

💳 Garland Housing Finance DPA Programs

Garland HFC Down Payment Assistance

The Garland Housing Finance Corporation provides multiple down payment assistance options designed for first-time homebuyers, including programs with tax credit benefits. Garland's programs help increase buying capacity while providing upfront assistance for down payment and closing costs.

MCC with DPA: Mortgage Credit Certificate combined with down payment assistance
Tax Credit Benefit: Up to $2,000 credit on income taxes annually for life of loan
First-Time Buyers: Programs designed specifically for first-time homebuyers
Increased Capacity: Tax credit increases buying power for some lenders
Down Payment Help: Assistance for down payment and closing costs
Housing Choice Voucher: Home Ownership Program also available for voucher holders
Local Administration: Managed by Garland Housing Finance Corporation

Denton, TX

🌟 Denton Homebuyers Assistance - Up to $50,000

City of Denton HAP

Denton offers exceptional down payment and closing cost assistance up to $50,000 for income-eligible first-time homebuyers. The program helps low and moderate-income families overcome financial barriers to homeownership, with comprehensive support through the Community Development Division.

Maximum Assistance: Up to $50,000 for down payment and closing costs
First-Time Buyers: Must not have owned home in past 3 years
Exceptions: Displaced single parents and substandard mobile home owners may qualify
Income Target: Low and moderate-income families
Property Location: Must purchase within Denton city limits
Homebuyer 101: City offers free homebuying classes covering process and programs
Administration: Managed by City of Denton Community Development

Frisco, TX

💰 Frisco Down Payment Assistance - Up to $10,000

City of Frisco DPA Program

Frisco provides forgivable loans up to $10,000 to qualified homebuyers for down payment and closing cost assistance. The program targets income-eligible first-time buyers, with loans that forgive over time as buyers maintain occupancy in their Frisco homes.

Maximum Assistance: Up to $10,000 forgivable loan
Program Type: Forgivable loans for down payment and closing costs
First-Time Buyers: Income-eligible first-time homebuyers
Property Location: Must purchase within Frisco city limits
Eligible Households: Qualified low to moderate-income households
Goal: Help overcome down payment barrier in Frisco's growing market

Irving & Richardson

🏘️ Statewide Programs Available

Full Access to State and Federal Programs

While Irving and Richardson don't currently offer city-specific down payment assistance programs, residents have full access to all Texas statewide programs including TSAHC, TDHCA, and FHLB Dallas initiatives. These state programs provide substantial assistance with flexible eligibility requirements serving both first-time and repeat buyers throughout the DFW metroplex.

TSAHC Access: Full eligibility for Homes for Texas Heroes and Home Sweet Texas
TDHCA Programs: My First Texas Home and My Choice Texas Home available
FHLB Dallas: HELP program provides down payment and closing cost assistance
Grant/Loan Options: Choose between grant or deferred forgivable loan structures
Hero Professions: Teachers, police, firefighters, veterans eligible for special programs
MCC Available: Mortgage Credit Certificate option for federal tax credits
Lender Network: Extensive network of participating DFW lenders

Complete Eligibility Requirements by Program

Understand qualifying criteria for each Dallas-Fort Worth down payment assistance program

Program	Income Limit	Credit Score	First-Time Buyer	Max Assistance	Forgiveness
Dallas DHAP	80% AMI	Lender requirement	No (3-year rule)	Up to $60,000	Prorated annually
Fort Worth HAP	80% AMI	Lender requirement	Yes (3-year rule)	Up to $25,000	10 years occupancy
Tarrant County	Income limits apply	Program specific	Yes	Up to $50,000	Program specific
Plano FTHB	Low-moderate income	Lender requirement	Yes (3-year rule)	$10K or $55K	Deferred loan
Arlington HAP	Modest income	Lender requirement	Yes	Up to $20,000	Program specific
McKinney	Up to $118,565	Lender requirement	Generally yes	$10K + $5K bonus	Program specific
Denton HAP	Low-moderate income	Program specific	Yes (3-year rule)	Up to $50,000	Program specific
Frisco DPA	Income qualified	Lender requirement	Yes	Up to $10,000	Forgivable loan
TSAHC Programs	Income limits apply	620+ minimum	No	Program specific	3 years (loan option)
TDHCA Programs	Income limits vary	Program specific	Varies by program	Flexible DPA	Program specific
FHLB Dallas HELP	Income qualified	Member bank req.	Yes	Program specific	Program specific

Income Requirements

Understanding Dallas-Fort Worth Income Limits

Area Median Income (AMI): DFW programs base limits on percentage of county AMI
Dallas 80% AMI Examples: 1 person: $65,700 | 2 persons: $75,050 | 4 persons: $93,850
McKinney Higher Limits: Up to $118,565 for households of 3+ persons
Household Income: Includes all borrowers on loan plus adult household members
Verification Required: Pay stubs, W-2s, tax returns, employment letters
Self-Employed: 2 years tax returns, profit/loss statements, CPA letter
Multiple Sources: Wages, bonuses, commissions, alimony, child support all counted

Credit Requirements

Credit Score Guidelines for DFW Programs

TSAHC Minimum: 620+ FICO score required for all TSAHC programs
City Programs: Generally follow lender requirements (typically 620-640+)
Higher Scores Better: 680+ scores qualify for better interest rates
Middle Score Used: Lenders use middle score from three credit bureaus
Improve Before Applying: Even 20-30 point improvement helps approval odds
FHA Options: Some programs allow 580+ with FHA loans
Credit Counseling: Many programs require or offer credit counseling

Education Requirements

📚 Mandatory Homebuyer Education

Most DFW down payment assistance programs require completion of approved homebuyer education before closing:

Dallas DHAP: Pre-purchase homebuyer education course through approved provider
Fort Worth HAP: Mandatory training through HUD-approved counseling agency
TSAHC: Approved homebuyer education course required before closing
Course Topics: Budgeting, financing, home maintenance, legal rights, foreclosure prevention
Duration: Typically 8 hours over 1-2 days or online modules
Cost: Usually free or low-cost ($25-$100)
Certificate: Completion certificate required for program application
Timing: Complete early to avoid closing delays
Online Options: Some programs accept online courses - verify with lender first

💡 Pro Tip: Many DFW buyers qualify for multiple programs simultaneously. You might be eligible for Dallas DHAP, TSAHC, and FHLB Dallas programs at the same time. Work with a DPA-experienced lender who can evaluate all options and recommend the best combination for your situation. Some buyers use city programs for larger amounts, while others prefer state programs with shorter forgiveness periods.

Your Step-by-Step Application Process

Follow this proven roadmap to successfully navigate Dallas-Fort Worth down payment assistance programs

Step 1

🎯 Determine Your Eligibility

Identify which DFW programs you qualify for based on your city, income, credit score, and first-time buyer status. Most DFW buyers qualify for 3-6 different programs, giving you options to choose the best assistance for your situation.

Identify Your City: Determine if you're buying in Dallas, Fort Worth, Plano, Arlington, etc.
Check Credit Score: Pull reports from all three bureaus (Experian, TransUnion, Equifax)
Calculate Income: Add all household income from borrowers and adult residents
First-Time Status: Determine if you've owned home in past 3 years
Review City Programs: Check if your target city offers specific assistance
Hero Profession: Verify if you qualify for Homes for Texas Heroes program
Create List: Document all programs you potentially qualify for

Step 2

📚 Complete Homebuyer Education

Most programs require 8-hour homebuyer education courses through HUD-approved agencies. Complete this requirement early in your journey to avoid delays when you're ready to purchase. The education provides valuable knowledge about budgeting, financing, and homeownership responsibilities.

Find Agency: Locate HUD-approved housing counseling agency in DFW area
Schedule Class: Sign up for in-person, hybrid, or approved online course
Budget Time: Plan for 8-hour course (usually 1-2 days or online modules)
Course Cost: Typically $25-$100 or free through some agencies
Complete Course: Attend all sessions and participate in activities
Receive Certificate: Obtain your completion certificate for lender
Keep Copies: Make multiple copies for your records and applications

Step 3

🏦 Find DPA-Experienced Lender

Work with a mortgage lender experienced with the specific DFW down payment assistance programs you want to use. TSAHC and city programs maintain lists of approved/participating lenders on their websites. Interview multiple lenders to find the best combination of expertise, rates, and service.

Check Approved Lists: Visit TSAHC, TDHCA, and city websites for lender lists
Verify Experience: Confirm lender has closed loans with your target programs
Interview 2-3 Lenders: Compare rates, fees, and program knowledge
Ask Specific Questions: "How many Dallas DHAP loans have you closed this year?"
Check Reviews: Read reviews from other DPA borrowers
Get Pre-Qualified: Understand your buying power before house hunting
Discuss Options: Have lender evaluate all programs you qualify for

Step 4

📄 Gather Required Documentation

DFW assistance programs require extensive documentation to verify income, employment, assets, citizenship, and eligibility. Start gathering documents early so you're ready when you find your home. Missing documents cause the majority of application delays.

Pay Stubs: Most recent 30 days from all jobs
W-2 Forms: Past 2 years from all employers
Tax Returns: Complete returns with all schedules for 2 years
Bank Statements: 2-3 months for all accounts (checking, savings, investment)
Employment Letter: Verification of employment and income from employer
Photo ID: Valid driver's license or state ID
Social Security Card: For all borrowers on the loan
Homebuyer Certificate: Your education course completion certificate
Self-Employed: Business tax returns, P&L, balance sheet, CPA letter
Additional Income: Documentation for alimony, child support, bonuses, etc.

Step 5

🏠 Get Pre-Approved with DPA

Obtain full mortgage pre-approval that specifically includes your down payment assistance program. This makes you a stronger buyer and demonstrates to sellers that you're fully qualified including your assistance funding. Your pre-approval letter should reference the DPA program.

Submit Full Application: Complete formal mortgage application with all documentation
Include DPA Program: Specify which assistance program you'll use
Pre-Approval Letter: Ensure letter mentions down payment assistance specifically
Verify Amount: Confirm maximum loan and home purchase price
Understand Restrictions: Learn about property type, location, and price limits
Find Realtor: Work with agent experienced with DPA buyers
Start House Hunting: Focus on homes within your approved budget

Step 6

📝 Make Offer & Navigate Underwriting

Once you find your home, make an offer and begin the formal mortgage and DPA underwriting process. Your lender coordinates approval for both the primary mortgage and down payment assistance simultaneously. Stay responsive to underwriter requests to keep your closing on schedule.

Submit Offer: Work with realtor to submit competitive offer
Execute Contract: Sign purchase agreement when offer accepted
Order Inspection: Professional home inspection during option period
Formal DPA Application: Submit official down payment assistance application
Additional Documents: Respond quickly to underwriter requests (usually within 24 hours)
Appraisal: Home must appraise at or above purchase price
Review Disclosures: Carefully review all DPA program documents and terms
Clear Conditions: Work to satisfy all underwriting conditions promptly
Program-Specific Requirements: Complete any additional city/county program requirements

Step 7

🔑 Close on Your DFW Home

At closing, you'll sign all mortgage documents including your down payment assistance agreements. The DPA funds disburse at closing, dramatically reducing your required cash to close. Review all documents carefully and ensure you understand your occupancy requirements and repayment terms.

Final Walkthrough: Inspect property 1-2 days before closing
Review Closing Disclosure: Verify all numbers 3 days before closing
Verify DPA Amount: Confirm assistance matches your approval
Wire Funds: Send your closing cost payment via wire (most secure method)
Sign Documents: Sign mortgage, DPA agreements, and all closing documents
Understand Obligations: Confirm occupancy requirements and forgiveness terms
Get Keys: Receive keys to your new DFW home!
Move In: Must occupy within 60 days for most programs

💡 Timeline Expectations: The complete DFW home buying process with down payment assistance typically takes 75-120 days from pre-qualification to closing. Dallas DHAP applications (October-July window) may take longer due to annual funding cycles. Plan ahead if you have specific target dates. Homebuyer education alone takes 1-2 weeks to schedule and complete. Start early and stay organized for the smoothest experience.

⚠️ Common Mistakes to Avoid in DFW

Don't make ANY major financial changes during your application process. This includes buying cars, furniture, appliances, or opening new credit cards. Don't switch jobs unless absolutely necessary - lenders need to verify continuous employment. Avoid large bank deposits without documentation (gift letters required). Don't skip or rush through homebuyer education courses. For Dallas DHAP specifically, apply early in the October-July window before funds deplete. Don't assume you only qualify for one program - many DFW buyers have multiple options. Finally, ensure you understand occupancy requirements - most programs require you to live in the home as your primary residence for 3-10 years for full forgiveness.

Ready to Start Your Dallas-Fort Worth Homeownership Journey?

With up to $60,000 available through Dallas programs, $50,000 through Tarrant County, and multiple state programs serving the entire DFW metroplex, now is the time to take advantage of exceptional down payment assistance opportunities. These programs help thousands of families annually overcome the down payment barrier and achieve the dream of homeownership in the thriving Dallas-Fort Worth area.

Review All Programs Check Eligibility See Application Steps

What Makes DFW Down Payment Assistance Exceptional

Highest City Assistance: Dallas offers up to $60,000 - more than almost any major U.S. city
Multiple Program Layers: Stack city, county, state, and federal assistance options
Hero Profession Priority: Teachers, police, firefighters, veterans get specialized programs
Wide Income Ranges: Programs serve households earning up to $153,440 annually
Forgivable Structure: Most assistance disappears after 5-10 years occupancy
First-Time & Repeat Buyers: Many programs serve both buyer types
Strong DFW Market: Booming economy makes homeownership investment worthwhile
Experienced Professionals: Large network of DPA-experienced lenders and realtors

💡 Start Your Journey Today

Dallas DHAP accepts applications October 1st through July 31st annually - funds often deplete before July. Tarrant County's $50,000 program has limited funding with competitive applications. Don't wait - contact a DPA-experienced lender today to determine which programs you qualify for and begin your pre-qualification process. The sooner you start, the more options you'll have and the better positioned you'll be when you find your perfect DFW home.