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Texas program

Harris County Down Payment Assistance Program (DAP)

Texas route through Harris County Housing & Community Development. Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.

Forgivable second mortgage Occupancy-based silent second 2026-04-19
Agency Harris County Housing & Community Development
Support type Forgivable second mortgage
Amount highlight Up to $40,000 per qualifying household. After deducting the maximum amounts for all eligible incentives, the official page states that the actual base award available for downpayment, pre-paid items, and additional closing costs is $27,100.
Last verified 2026-04-19

Decision-ready public facts

What this program appears to offer

Quick answer from published facts. Go to Texas program hub

Amount

Up to $40,000 per qualifying household. After deducting the maximum amounts for all eligible incentives, the official page states that the actual base award available for downpayment, pre-paid items, and additional closing costs is $27,100.

Type

Forgivable second mortgage

Repayment

DAP assistance acts as a silent second mortgage and the fact sheet describes it as a forgivable second lien. Repayment is only due upon default, sale, rental, transfer, or refinancing of the home. The period of affordability is 5 years for awards under $25,000 and 10 years for awards from $25,000 to $40,000.

First-time buyer

Unknown

Program guide

What to know before you click through

Use the public facts first. Open the official source when a detail affects eligibility, repayment, or lender choice.

Who qualifies?

First-time homebuyers, Low- to moderate- and middle-income households, U.S. citizens or permanent resident aliens

What support do you get?

Up to $40,000 per qualifying household. After deducting the maximum amounts for all eligible incentives, the official page states that the actual base award available for downpayment, pre-paid items, and additional closing costs is $27,100.

Do you repay it?

DAP assistance acts as a silent second mortgage and the fact sheet describes it as a forgivable second lien. Repayment is only due upon default, sale, rental, transfer, or refinancing of the home. The period of affordability is 5 years for awards under $25,000 and 10 years for awards from $25,000 to $40,000.

How do you apply?

Complete a HUD-approved homeownership education course, secure a first mortgage with a participating lender, and apply through a participating lender; Harris County HCD directs applicants to obtain the lender list by email or phone or use the posted participating-lenders document.

Official source evidence

Official Harris County Housing & Community Development materials state that DAP provides a forgivable second lien up to $40,000, with repayment due only upon default, sale, rental, transfer, or refinance, and that applicants start by working with a participating lender for eligible homes in unincorporated Harris County.

View official source

Last verified

2026-04-19

2025-11-18

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What paid access adds for Harris County Down Payment Assistance Program (DAP)

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Comparison preview

Harris County Down Payment Assistance Program (DAP)

Amount: Up to $40,000 per qualifying household. After deducting the maximum amounts for all eligible incentives, the official page states that the actual base award available for downpayment, pre-paid items, and additional closing costs is $27,100.

Repayment: DAP assistance acts as a silent second mortgage and the fact sheet describes it as a forgivable second lien. Repayment is only due upon default, sale, rental, transfer, or refinancing of the home. The period of affordability is 5 years for awards under $25,000 and 10 years for awards from $25,000 to $40,000.

First-time buyer: Unknown

Risk checks preview

What gets flagged before you call a lender

  • Harris County Down Payment Assistance Program (DAP) requires a participating lender.
  • Harris County Down Payment Assistance Program (DAP) can trigger repayment on sale or refinance.

Lender questions preview

Questions tied to this exact path

  • Does Harris County Down Payment Assistance Program (DAP) require a participating lender for this household and loan setup?
  • What occupancy period must be completed before Harris County Down Payment Assistance Program (DAP) is forgiven after 60 months?

Action checklist preview

What you would do next

  • Confirm whether Harris County Down Payment Assistance Program (DAP) requires a participating lender.
  • Review the official Program page for Harris County Down Payment Assistance Program (DAP).
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