"I want to buy a home, but I don't have a lot of money for a down payment." That's ok! There's a program for that.

Sounds impossible, right?

Not in Texas.

Let’s talk about the down payment assistance programs that are helping buyers all across Dallas-Fort Worth turn “someday” into today.

💡 What Is Down Payment Assistance (DPA)?

DPA programs bridge the gap between what you’ve saved and what you need to close. They come in the form of grants, deferred loans, or forgivable second liens, and they’re designed to make homeownership more accessible — especially for first-time or moderate-income buyers.

You don’t have to be rich to own a home — you just have to know where to start.

🏠 Top DFW Down Payment Assistance Options

1️⃣ Texas State Affordable Housing Corporation (TSAHC)

Offers grants or second liens up to 5% of your loan amount — no repayment required for grants.

💡 Bonus: Teachers, first responders, and veterans get extra perks and rate advantages.

2️⃣ TDHCA My First Texas Home Program

Provides a 30-year fixed-rate mortgage with down payment and closing cost assistance.

💡 Why it matters: You can combine this with the Texas Mortgage Credit Certificate (MCC) for tax savings every year you own your home.

3️⃣ City of Dallas Homebuyer Assistance Program

Helps with up to $50,000 in down payment and closing cost assistance for qualified buyers purchasing within Dallas city limits.

4️⃣ Local Builder & Employer Programs

Some builders and major employers in DFW offer credits or matched savings for employees — always worth asking about before you buy.

🧾 What You’ll Need to Qualify

To take advantage of these programs, you typically need:

✅ A minimum credit score (usually 620+)

✅ Stable income and job history

✅ Completion of a homebuyer education course

✅ To live in the home as your primary residence

💡 Pro Tip: You don’t always have to be a first-time buyer. “First-time” often means you haven’t owned a home in the last three years.

📍 Why DPA Matters in DFW

With home prices still rising, down payment assistance can be the difference between renting and owning. I’ve personally helped buyers in all over, including Rockwall, Garland, and Forney use these programs to buy with confidence — even when they thought they couldn’t afford it.

This isn’t about shortcuts. It’s about strategy.

💬 Let’s Find Out What You Qualify For

You don’t have to guess which programs fit — I’ll walk you through every DFW down payment assistance option available today, step by step.

📞 Call/Text: 925-305-6639

📧 Email: swhiting@loandepot.com

🌐 Apply: www.homeloansbystephanie.ninja

📅 Schedule a Call: Book a time here