The Homeownership Across Texas grant program is discontinued and is not accepting new reservations. Eligible buyers can still explore other statewide and local Texas assistance programs.
Explore Current Texas Homebuyer Assistance
The Homeownership Across Texas (HAT) Program is discontinued, so participating lenders cannot reserve new HAT grants.
Homebuyers seeking help with down payment and closing costs may still have options through active TDHCA, TSAHC, SETH, city, or county programs.
Available assistance depends on household income, credit profile, loan type, property location, and the current funding offered by each program.
A participating lender can compare current assistance options and explain whether the funds are a grant, forgivable second lien, or deferred repayable second lien.
Texas homebuyers can compare active programs based on their loan, location, income, and assistance needs.
Grant Options: Some active programs offer assistance that does not require repayment when all program terms are met.
Forgivable Assistance: Some programs provide a zero-interest second lien that is forgiven after a required occupancy period.
Repeat-Buyer Options: Several statewide programs do not require applicants to be first-time homebuyers.
Mortgage Choices: Active programs may be paired with FHA, VA, USDA, or conventional financing, subject to program guidelines.
Primary Residence: Homebuyer assistance generally requires the property to be occupied as the buyer's principal residence.
Statewide and Local Programs: Options may be available across Texas or limited to a particular city, county, or service area.
Income-Based Eligibility: Program income limits vary by household size, county, loan type, and assistance option.
Clear Repayment Terms: A lender should confirm whether assistance is a grant or a second lien and when repayment could be required.
Requirements differ by active program, but lenders commonly review the following:
Credit that meets the selected mortgage and assistance program guidelines.
Household or qualifying income within the selected program's limits.
Completion of homebuyer education when required by the selected program.
Approval for an eligible mortgage through a lender participating in the selected program.
A property and sales price that meet the selected program's guidelines.
A property located inside the service area for the selected statewide, city, or county program.
The home must serve as the applicant's primary residence.
Fixed interest rate mortgage (adjustable-rate mortgages are not eligible).
The Homeownership Across Texas Program does not accept new reservations.
Current assistance programs can offer different grant and second-lien structures alongside 30-year fixed-rate FHA, VA, USDA, or conventional mortgages.
The amount, repayment terms, income limit, and eligible loan types depend on the active program selected.
Review the assistance agreement carefully so you understand any occupancy period, forgiveness schedule, or repayment trigger before closing.
We go beyond offering financial assistance by helping you maximize the down payment support you qualify for. Our dedicated team ensures you take full advantage of the available funds, guiding you through every step of the process.
From understanding eligibility to navigating grant applications, we provide local expertise and personalized support, so you can confidently secure the most assistance possible and achieve homeownership with ease.
