Homebuyer and rental help in Texas
Help buying a home, such as low-rate mortgages and down payment help, plus programs for affordable rentals.
Some homebuyer help comes as loans that must be repaid.
Apply on the official site ↗Goes to tdhca.texas.gov. Applying is free.
Who generally qualifies
First-time and moderate-income homebuyers in Texas, and renters looking for affordable housing; limits vary by program.
Exact income limits and rules are set by Texas Department of Housing and Community Affairs and can change. Check the official site for current details.
How to apply
- Browse programs on tdhca.texas.gov.
- For homebuyer programs, contact one of the agency's approved lenders.
- For rentals, use the agency's search tools or listed partners.
What to have ready
- Proof of income
- Credit history
- Tax returns
Common questions
- Does it cost anything to apply?
- No. Applying through the official site is free. Be wary of anyone who charges a fee to apply for you.
- Do I have to pay it back?
- No. It's a free or low-cost service, not a loan.
- Who decides if I qualify?
- Texas Department of Housing and Community Affairs makes the final decision. This page explains the program in general terms only.
- Where can I find current income limits and amounts?
- Income limits, benefit amounts and deadlines change, so check tdhca.texas.gov for the latest details.
Added October 21, 2026. BenefitSearch is not affiliated with Texas Department of Housing and Community Affairs.