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Texas program

Harris County Down Payment Assistance Program (DAP)

Texas route through Harris County Housing & Community Development. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

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

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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

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

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.

Application timing

Apply through a participating lender. Harris County's current page points applicants to the existing guidebook for process guidance; that guidebook says complete loan packages are generally queued for Underwriting Review Committee presentation within about 10 business days, with the committee meeting at least twice monthly and often weekly.

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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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

Timing: Apply through a participating lender. Harris County's current page points applicants to the existing guidebook for process guidance; that guidebook says complete loan packages are generally queued for Underwriting Review Committee presentation within about 10 business days, with the committee meeting at least twice monthly and often weekly.

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

  • Is your team approved to originate Harris County Down Payment Assistance Program (DAP) for this household and loan setup?
  • Which events trigger repayment for Harris County Down Payment Assistance Program (DAP): sale, refinance, transfer?

Action checklist preview

What you would do next

  • Review the official Program page for Harris County Down Payment Assistance Program (DAP)
  • Ask whether your lender is approved for this exact program and loan structure.
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1 tracked

city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

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public employee or pension paths

Public employee or pension-backed mortgage angles that need slower source review.

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specialty and conditional paths

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