What You Need To Know About Down Payment Assistance




Looking to buy a home in Johnson or Tarrant County but need help with the down payment? Check out these Texas programs that offer grants, forgivable loans, and tax credits to make homeownership more affordable.

Buying a home is exciting—but let’s be real, that down payment can feel like a mountain. The good news? If you’re looking to buy in Johnson or Tarrant County, there are plenty of programs that can help bridge the gap and get you into your new home faster.

Let’s break down a few of the most popular options right here in North Texas 

1. Texas State Affordable Housing Corporation (TSAHC)

Website: TSAHC.org

The TSAHC program is one of the most popular options across the state. It offers:

They even offer a Mortgage Credit Certificate (MCC) that gives you a tax break every year you own your home. Win-win!

2. TDHCA (Texas Department of Housing & Community Affairs)

Website: TDHCA My First Texas Home Program

The TDHCA offers programs designed specifically for low-to-moderate-income Texans:

  • My First Texas Home: Helps first-time buyers with down payment and closing costs.

  • My Choice Texas Home: Available even if you’re not a first-time buyer.

  • MCC Tax Credit: Reduces your federal tax liability each year.

These programs often pair well with FHA, VA, or USDA loans, so you’ve got some flexibility depending on your situation.

3. Tarrant County Homebuyer Assistance Program

Website: Tarrant County HAP

If you’re buying within Tarrant County (but outside Fort Worth, Arlington, or Grand Prairie), this local program can help cover up to $10,000 in down payment and closing costs.

To qualify, you’ll need to:

  • Meet income guidelines

  • Take a homebuyer education course

  • Live in the home as your primary residence

It’s a great local option for those looking to stay in the county but not necessarily inside city limits.

4. Fort Worth Homebuyer Assistance Program

Website: Fort Worth HAP

Buying inside Fort Worth city limits? You could qualify for up to $20,000 in assistance toward your down payment and closing costs.

This one’s perfect for first-time buyers, and it pairs beautifully with FHA loans. You’ll need to complete a HUD-approved homebuyer course and meet certain income limits.

Final Thoughts

If saving up for a down payment feels overwhelming—you’re not alone. Between state, county, and city programs, there’s a good chance you qualify for something that can help.

The key is knowing where to look (and having someone on your side who knows how to navigate the process). Whether you’re a first responder, teacher, healthcare hero, veteran, or just ready to own your first home, there are options to make it happen.

Melissa & D'Ann

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