(713) 446-2420

Down Payment Assistance in Houston, Spring & The Woodlands, TX

Saving for a down payment is the biggest hurdle for most buyers. Texas has state and local programs that can help cover your down payment and closing costs, and many buyers qualify without realizing it. Some programs are grants and others are forgivable or deferred second loans.

Andrew Hooey of Game On Mortgage celebrating a closing with a Houston-area client

Programs Available in the Houston Area

Texas Department of Housing and Community Affairs (TDHCA): statewide down payment and closing cost assistance, plus Mortgage Credit Certificates that can reduce your federal taxes.

Texas State Affordable Housing Corporation (TSAHC): programs including Homes for Texas Heroes for teachers, first responders, veterans, and other eligible professions, and Home Sweet Texas for low- and moderate-income buyers.

Southeast Texas Housing Finance Corporation (SETH): assistance programs for buyers in the Houston region.

City of Houston and Harris County programs for eligible buyers purchasing within those areas.

What to Know

Each program has its own income limits, purchase price limits, credit requirements, and repayment terms, and program details change regularly. Some require a homebuyer education course. I'll check which programs you qualify for, show you the true cost and benefit of each, and pair the assistance with the right first mortgage.

Why Work With Game On Mortgage?

I'm Andrew Hooey, an independent mortgage broker based in Spring, TX. Instead of offering one bank's products, I shop your loan across multiple wholesale lenders and bring back the option that fits you best. Game On Mortgage has funded over $150 million in loans with a 97% customer satisfaction rate, and we serve buyers and homeowners across Spring, The Woodlands, and the greater Houston area.

Related loan programs:First-Time Home Buyer Loans, FHA Loans, USDA Loans. See all loan programs.

Fill out the form for a quick quote, or call me directly at (713) 446-2420.

Andrew Hooey, NMLS #1808045. Game On Mortgage, LLC, NMLS #2468752. Not a commitment to lend. All loans subject to credit approval, property eligibility, and program guidelines. Program terms and limits are subject to change.