Houston, TX · Down Payment Assistance
Down Payment Assistance in Houston, TX
Houston's sprawling market means options at every price point — and $0-down programs stretch further here than in Austin or Dallas.
Programs available in Houston
FHA 100% Combo — $0 down
FHA first at 96.5% plus a second for the 3.5%. No income cap, 600 minimum credit. Works across Harris County and the suburbs — Katy, Cypress, Sugar Land, Pasadena.
V1-FAST 100 — $0 down, forgivable second
3.5% second at 0%, deferred and forgiven over time while owner-occupied.
Community 1% Down — 2% grant up to $6,000
Freddie Mac Home Possible. Property must be in an eligible census tract — many Houston neighborhoods qualify. We check your address.
What Houston buyers ask most
- Can I buy in Houston with $0 down? Yes — FHA combos work metro-wide.
- Flood zones? If the property is in a flood zone, flood insurance is required and must be in your qualifying payment. We verify before you commit.
- New construction? Yes — combos work on new builds across the suburbs as long as timelines fit.
How to start
Send the 60-second eligibility form: your target area in Houston, income range, and credit estimate. We'll match you to every program that fits — and tell you honestly if the math doesn't work yet.
Buying in Houston? Check your eligibility for $0-down and 1%-down programs before you start touring homes. Check my eligibility →