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Texas program

Hill Country Home Down Payment Assistance Program

Texas route through Travis County Housing Finance Corporation. 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 Forgivable if occupancy holds 2026-04-19
Agency Travis County Housing Finance Corporation
Support type Forgivable second mortgage
Amount highlight Either 4%, 5%, or 6% of the initial principal balance of the mortgage loan for down payment and closing cost assistance; the official page notes that participating-lender program fees can reduce the net assistance actually received.
Last verified 2026-04-19

Decision-ready public facts

What stays free on this program page

Quick answer from published facts. Use this first, then jump to Go to Texas program hub if you need the wider state context.

Amount

Either 4%, 5%, or 6% of the initial principal balance of the mortgage loan for down payment and closing cost assistance; the official page notes that participating-lender program fees can reduce the net assistance actually received.

Type

Forgivable second mortgage

Repayment

The assistance is a 0% interest, 10-year forgivable second mortgage loan. Buyers must occupy the home as their principal residence.

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?

Low- to moderate-income homebuyers, First-time homebuyers, Repeat homebuyers

What support do you get?

Either 4%, 5%, or 6% of the initial principal balance of the mortgage loan for down payment and closing cost assistance; the official page notes that participating-lender program fees can reduce the net assistance actually received.

Do you repay it?

The assistance is a 0% interest, 10-year forgivable second mortgage loan. Buyers must occupy the home as their principal residence.

How do you apply?

If you are a first-time homebuyer, complete a HUD-approved homebuyer education course and obtain the certificate of completion, then contact a participating lender for screening and qualification because participating lenders determine whether you meet the program criteria.

Application timing

Participating lenders reserve funds after the buyer has a valid sales contract; loans must be underwriter-certified before closing, closed and delivered within 45 days of reservation, and purchased within 60 days.

Official source evidence

Official Travis County Housing Finance Corporation materials say the Hill Country Home DPA Program offers either 4%, 5%, or 6% assistance as a 0% interest, 10-year forgivable second mortgage for homes anywhere in Travis County, including the City of Austin.

View official source

Last verified

2026-04-19

2021-06-03

Paid preview

What paid access adds for Hill Country Home Down Payment Assistance Program

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Comparison preview

Hill Country Home Down Payment Assistance Program

Amount: Either 4%, 5%, or 6% of the initial principal balance of the mortgage loan for down payment and closing cost assistance; the official page notes that participating-lender program fees can reduce the net assistance actually received.

Repayment: The assistance is a 0% interest, 10-year forgivable second mortgage loan. Buyers must occupy the home as their principal residence.

First-time buyer: Unknown

Timing: Participating lenders reserve funds after the buyer has a valid sales contract; loans must be underwriter-certified before closing, closed and delivered within 45 days of reservation, and purchased within 60 days.

Risk checks preview

What gets flagged before you call a lender

  • Hill Country Home Down Payment Assistance Program requires a participating lender.
  • Hill Country Home Down Payment Assistance Program can trigger repayment if owner occupancy changes.

Lender questions preview

Questions tied to this exact path

  • Is your team approved to originate Hill Country Home Down Payment Assistance Program for this household and loan setup?
  • Which events trigger repayment for Hill Country Home Down Payment Assistance Program: non_owner_occupancy?

Action checklist preview

What you would do next

  • Review the official Program page for Hill Country Home Down Payment Assistance Program
  • Ask whether your lender is approved for this exact program and loan structure.
Open the full Texas board

Paid research preview

What paid research already covers in Texas

Paid research already tracks city and county programs, public employee or pension paths, specialty and conditional paths for Texas.

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What unlocks after payment

Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.

1 tracked

city and county programs

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

1 tracked

public employee or pension paths

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

3 tracked

specialty and conditional paths

Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.

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