Houston Down Payment Assistance

Houston is the largest city in Texas and the fourth largest in the United States, making it one of the most active housing markets in the state for down payment assistance programs. With a median home price of approximately $270,000, Houston offers a wide range of housing options for first-time and repeat home buyers who want to take advantage of Texas DPA programs.

The Houston economy is anchored by the energy sector, with major employers including ExxonMobil, Chevron, and Shell, as well as the Texas Medical Center—the largest medical complex in the world. These high-paying industries mean that many Houston-area workers earn enough to handle monthly mortgage payments but may struggle to save for a down payment, which is exactly the gap that DPA programs fill.

Harris County income limits for DPA eligibility are often higher than state averages due to the region's strong economic base. The TDHCA My First Texas Home program and TSAHC Homes for Texas Heroes program are both widely used in the Houston area, providing between 3% and 5% of the loan amount in down payment assistance.

Houston's sprawling metro area includes diverse neighborhoods and suburbs, from established inner-loop communities to master-planned developments in Katy, Sugar Land, Pearland, and The Woodlands. Many suburban homes fall within DPA purchase price limits while offering modern amenities and excellent schools.