The Home Sweet Texas Home Loan Program offers up to 5% of the mortgage loan amount as down payment and closing cost assistance.
There’s no requirement to be a first-time homebuyer. Assistance is available as a grant at select levels or a three-year deferred forgivable second lien.
Use the calculator below for a preliminary estimate based on your expected first mortgage loan amount. Income limits are verified by county and product.
After entering your details, click the "Calculate" button to see your estimated down payment assistance and check your eligibility.
(Input the total price of the home you are planning to buy. This helps calculate how much down payment assistance you may be eligible for.)
(Input your yearly income before taxes. This will be used to determine whether you meet the program's income eligibility criteria.)
(Government loans require at least 620; conventional loans require at least 640.)
The Home Sweet Texas program provides down payment assistance equal to up to 5% of the mortgage loan amount. For example:
$250,000 first mortgage: Up to $12,500 in assistance.
$300,000 first mortgage: Up to $15,000 in assistance.
Assistance is available as a grant at select levels or as a zero-interest, three-year deferred forgivable second lien.
Get up to 5% assistance for down payment and closing costs.
Available to first-time and repeat homebuyers.
No first-time buyer requirement.
Available as a grant at select levels or a three-year forgivable second lien.
Low fees and straightforward terms.
To qualify for the Home Sweet Texas Home Loan Program, you must meet the following criteria:
Minimum credit score: 620 for FHA, VA, and USDA loans; 640 for conventional loans.
Income limits: Vary by county and product; No-DPA and DPA-only products may allow up to 150% of area median income.
Debt-to-Income (DTI) ratio: No maximum with AUS approval. FHA manual underwrites are allowed up to 43% DTI if your FICO score is at least 640.
Location: Available for eligible homes statewide, with no separate Texas residency-duration requirement.
