First-time home buyer programs in Dallas
City of Dallas Housing & Homelessness Division; managed since May 1, 2026 by Business and Community Lenders of Texas runs Dallas Homebuyer Assistance Program (DHAP) for buyers in Dallas: up to $60,000, as a forgivable loan.
- Program available locally
- 1
- Largest amount
- $60,000
- Loan or grant
- A forgivable loan
Dallas down payment assistance
| Program | Amount | Loan or grant | Income limit | First-time buyers only |
|---|---|---|---|---|
| Dallas Homebuyer Assistance Program (DHAP). The City of Dallas Housing & Homelessness Division runs it, and Business and Community Lenders of Texas has managed it since May 1, 2026. | Up to $60,000 | A forgivable loan | Your yearly household income can't exceed 80% of the Area Median Income for your household size. | Ask the agency |
Who can qualify for Dallas Homebuyer Assistance Program (DHAP)?
- Within Dallas city limits.
- Your yearly household income can't exceed 80% of the Area Median Income for your household size.
- You must take a homebuyer education course.
- Both existing properties and new construction must stay within the $342,000 limit. It applies to contracts written on September 1, 2024 or later.
- For a first lien mortgage loan, you need an executed real estate sales contract plus mortgage lender approval.
- Your housing payment can't go above 35% of your monthly gross income.
- The property's appraised value must be at least 100% of the sales price.
The second lien carries no interest and no monthly payments. It's prorated annually over the affordability period, and partial repayment is due if the property is sold, leased, transferred or otherwise disposed of.
The program forgives the loan after you've kept the home for the number of years it requires.
Through BCL of Texas ([email protected], (214) 919-1866, bcloftexas.org/dhap): Readiness Check first, then intake; must work with a DHAP approved lender. Read the full rules on City of Dallas Housing & Homelessness Division; managed since May 1, 2026 by Business and Community Lenders of Texas's page for Dallas Homebuyer Assistance Program (DHAP).
Texas's statewide programs are available in Dallas too
| Program | Amount | Loan or grant |
|---|---|---|
| Home Sweet Texas Home Loan Program | Up to 5% of the home loan | Grant or forgivable loan |
| My Choice Texas Home | Up to 5% of the home loan | Forgivable or deferred loan |
Every first-time home buyer program in Texas comes from Texas Department of Housing & Community Affairs / Texas State Affordable Housing Corporation. For Dallas County, our HUD income limits tool displays the income figure.
Buying in Dallas? Ask a lender
Tell us where you're buying and a lender that works with Texas's programs can tell you which of these fit you, and which you can combine.
You'd prefer not to call? After you provide your details, the lender will contact you.