Help with your down payment may be available.
Down payment assistance programs across Texas and Louisiana can help qualified buyers cover part or all of their down payment — sometimes closing costs too.
Check DPA EligibilityTypes of assistance
- Grants: Funds that do not need to be repaid if you meet program requirements.
- Forgivable loans: A loan that is forgiven after you live in the home for a set number of years.
- Deferred loans: No monthly payment — repaid when you sell, refinance, or pay off the mortgage.
- Matched savings programs: Government or nonprofit match for funds you save toward your down payment.
Typical eligibility factors
- First-time buyer status (varies by program)
- Income within program limits for your area
- Completion of a homebuyer education course
- Primary residence purchase
- Qualifying mortgage approval (FHA, conventional, etc.)
How I help with DPA
DPA programs have specific rules, deadlines, and lender requirements. I identify programs you may qualify for, coordinate the mortgage and assistance application together, and make sure nothing falls through the cracks at closing.
Down payment assistance FAQ
What is down payment assistance (DPA)?
Down payment assistance programs provide grants, forgivable loans, or deferred-payment loans to help qualified buyers cover their down payment and sometimes closing costs. Programs are offered at the state, county, and local level.
Are there DPA programs in Texas and Louisiana?
Yes. Both states have programs for eligible first-time and sometimes repeat buyers. Availability, income limits, and benefit amounts vary by program and location. I stay current on active programs in the areas I serve.
Do I still need a mortgage if I get DPA?
Yes. Down payment assistance supplements your mortgage — it does not replace it. You still need to qualify for a home loan (FHA, conventional, VA, or USDA) and meet both the lender and DPA program requirements.
Is DPA really free money?
It depends on the program. Some grants do not need to be repaid. Others are forgivable loans that are forgiven after you live in the home for a set period. Some are deferred-payment loans repaid when you sell or refinance. I explain the terms before you apply.
Can DPA be combined with FHA or conventional?
In most cases, yes. DPA is typically paired with FHA or conventional financing. Some programs also work with VA and USDA. Program rules determine which loan types are eligible.
Think you can't afford a down payment?
Let's see if a DPA program in your area can bridge the gap.