Texas Down Payment Assistance in 2026
February 18, 2026
Down payment assistance in Texas for 2026 comes mainly from two statewide agencies: the Texas Department of Housing and Community Affairs (TDHCA) and the Texas State Affordable Housing Corporation (TSAHC). Both can put up to 5% of your loan amount toward your down payment and closing costs, either as a grant you never repay or as a second lien that is forgiven or deferred. This guide explains each program, who qualifies, how grants differ from repayable loans, and how the assistance fits with FHA, VA, USDA, and conventional mortgages. Every dollar figure and percentage below is tied to an official source, listed at the end with the date we checked it.
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