DFW First Time Homebuyer Assistance: Complete Guide to Texas Down Payment Programs and Mortgage Grants

First-time homebuyer assistance in the Dallas–Fort Worth (DFW) area includes a mix of down payment assistance (DPA), mortgage grants, forgivable loans, and tax-credit programs that reduce upfront costs and improve affordability for eligible buyers. This guide explains what those programs are, how they work at closing, and which federal and local loan products commonly pair with assistance so you can compare options like TSAHC statewide offerings and city programs such as DHAP and Fort Worth HAP. Many prospective buyers struggle with saving for a down payment and estimating closing costs; targeted assistance and the right mortgage product can bridge that gap while keeping monthly payments manageable. Throughout this article you’ll find side-by-side program comparisons, practical application timelines for DFW, eligibility checklists, financial calculations like debt-to-income (DTI), and clear next steps to move from research to a pre-approval. We’ll also explain how lender workflows intersect with program rules and where local mortgage lenders can speed the process, before finishing with concise answers to common buyer questions. Read on to learn which programs fit different buyer profiles and how to prepare paperwork so your DFW home purchase closes on time.

What Are the Top DFW First Time Homebuyer Assistance Programs?

Top DFW assistance programs include statewide options administered by TSAHC and local city runs like DHAP in Dallas, Fort Worth HAP, and Frisco municipal programs that combine grants, forgivable second liens, and the Mortgage Credit Certificate (MCC). These programs reduce the upfront cash needed at purchase and sometimes provide tax credits to lower ongoing federal tax liability, giving buyers multiple routes to make a home affordable. Understanding program type—grant, forgivable loan, second lien, or MCC—helps match benefits to buyer goals, whether minimizing cash at closing or reducing long-term tax burden.

TSAHC – My First Texas Home

Offers down payment assistance through a forgivable loan or second lien, often providing up to $25,000 when paired with a TSAHC first mortgage. Available statewide to eligible buyers.

TSAHC – Home Sweet Texas

Provides grant or forgivable assistance targeted to qualifying income bands across Texas. Designed to reduce upfront costs for first-time and repeat buyers who meet eligibility guidelines.

Dallas Homebuyer Assistance Program (DHAP)

City-sponsored down payment assistance structured as a forgivable loan or second lien, with assistance amounts commonly up to $25,000. Residency and purchase-location requirements apply within Dallas.

Fort Worth Homebuyer Assistance Program (HAP)

Locally administered forgivable loans or grants subject to income limits and program-specific rules. Designed to support buyers purchasing within Fort Worth city limits.

Frisco Down Payment Assistance

City-sponsored down payment assistance with localized eligibility criteria and purchase-area restrictions. Program details and availability vary by funding cycle.