Texas program
Texas route through City of Houston Housing and Community Development Department. Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.
Decision-ready public facts
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Up to $50,000 for income-qualified first-time homebuyers in the City of Houston.
Forgivable second mortgage
The official City of Houston page states the assistance is a no-interest forgivable loan secured by a lien. The loan is fulfilled if the buyer lives in the home for five years, and buyers who sell or move out before five years must repay a portion of the original loan amount.
Required
Program guide
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First-time homebuyers, Income-qualified households at or below 80% of AMI, U.S. citizens or permanent residents
Up to $50,000 for income-qualified first-time homebuyers in the City of Houston.
The official City of Houston page states the assistance is a no-interest forgivable loan secured by a lien. The loan is fulfilled if the buyer lives in the home for five years, and buyers who sell or move out before five years must repay a portion of the original loan amount.
Obtain a home loan through a lender, complete a homebuyer education class certificate through a HUD-approved agency, and work with the lender to submit the required property and lender documents into the City process.
The official City of Houston page states that income-qualified first-time homebuyers can receive up to $50,000 and that the assistance is a no-interest forgivable loan fulfilled after five years of owner occupancy.
2026-04-19
Effective date not captured.
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Amount: Up to $50,000 for income-qualified first-time homebuyers in the City of Houston.
Repayment: The official City of Houston page states the assistance is a no-interest forgivable loan secured by a lien. The loan is fulfilled if the buyer lives in the home for five years, and buyers who sell or move out before five years must repay a portion of the original loan amount.
First-time buyer: Required
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