Free PDF — Updated January 2026

Get Up to $60,000 to Help Buy Your First Texas Home

Texas has 75+ programs that give you free money for your down payment—but most buyers never find them.

Download the free Texas 2026 First-Time Homebuyer Cheat Sheet

A 2-page PDF that shows which programs you qualify for and exactly how to apply.

Top 10 DPA Programs

Up to $60K in assistance

2026 Income Limits

State & city programs

6-Step Action Plan

From eligibility to closing

Document Checklist

Everything lenders need

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What's Inside the Cheat Sheet

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Top 10 DPA Programs at a Glance

State programs (TDHCA, TSAHC, Texas VLB) and city programs (Houston, Dallas, Austin, San Antonio, Fort Worth) with max assistance, credit requirements, and who qualifies.

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2026 Income Limits

Estimated income limits for state programs (TSAHC/TDHCA) and city programs (Houston, Dallas, Austin, San Antonio) so you know if you qualify.

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"Which Program Is Right for You?" Guide

A simple 5-question decision tree to find your best program—whether you're a veteran, teacher, first responder, or first-time buyer.

Document Checklist

Every document lenders require—W-2s, pay stubs, bank statements, ID, and homebuyer education certificate—so you're ready to apply.

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6-Step Action Plan

From checking eligibility to closing day—a clear roadmap with links to official resources like TSAHC and approved lender directories.

Ready to Start Your Homebuying Journey?

Get the 2-page cheat sheet and start your homebuying journey with clarity.

Get Your Free Cheat Sheet