Down Payment Assistance

Building Better Communities Throughout Harris County!

Our Down Payment Assistance Program (DAP) can provide financial assistance towards the purchase of your dream home in Harris County.

First-time homebuyer who has not owned a home for three years prior to applying for assistance.
Income qualified with a credit score of at least 580.
Buyer front-end ratio (debt) cannot exceed 39% and the back-end ratio or Debt-to-Income ratio (DTI) cannot exceed 42%.
Successful completion of a homeownership education course from a HUD approved course provider.
Minimum of $1000 towards the purchase of the home.
No more than $15,000 in liquid assets, such as stocks, cash, or bonds.
U.S. Citizen or Permanent Resident Alien.

Homes must be located in the unincorporated areas of Harris County, which includes these service areas .
The maximum purchase price for a:
- Pre-existing home is $261,000.
- Newly constructed home is $268,000.
The home must be located in a qualified census tract with a population below 200% of the median income. See our census tract maps.

Learn more about other Down Payment Assistance Programs through the link below.