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Down payment Assistance Program (DAP)

Just imagine yourself in a new home:

Down payment assistance is available to qualified buyers for homeownership:

To comply with the new U.S. Department of Housing and Urban Development (HUD) HOME rule for 2014, we have made some changes to Harris County Down payment Assistance Program. 

Until further notice, the amount of Harris County's down payment assistance for new and pre-existing homes is up to $23,800.00

Pre-existing homes must be built within the last 20 years.
With the rising cost of homes in Harris County, the implementation of this change will allow more homebuyers to meet the required 39% front-end-ratio and 42% back-end-ratio. 

A homebuyer that needs an amount
over $14,999 to meet the front and back-end-ratio will incur an increase in their affordability period from (5) years to ten (10) years

Homebuyer Information:

Checklist to insure that you meet the minimum
DAP requirements:

  • Meet income requirements (see income chart below).

  • Home is required to be in an unincorporated area of Harris County (cannot be in the City of Houston, Pasadena, or Baytown)

  • Be a 1st time homebuyer, or not have owned a home for three years prior to applying for assistance, or have lost previous home in extenuating circumstances such as a loss due to a
    fire, flood, or hurricane

  • Be credit and program approved through one of the participating mortgage lenders (see Approved
    Lenders button below)

  • Have at least $350 or 1/2 of lenders required down payment
    to invest in the purchase

  • Have at least one credit score of 620

  • Buyer's debt front end ratio cannot exceed 39% and the debt-to-income (DTI) ratio cannot exceed 42% (effective August 25, 2014)

  • Buyer cannot have more than $10,000 in liquid assets

  • Buyer is required to have a final signed household budget
    from their approved Homeownership Education Provider (effective August 25, 2014)

  • Borrower, Co-Borrower and/or Non-Participating Spouse are required to be a U.S. Citizen or Permanent Resident Alien

  • To begin the DAP process, all applicants must attend a homebuyer certificate program from a HUD approved homebuyer education course provider (see button below) and select a participating mortgage
    (see Approved Lenders button below)

  • To participate in this program, you must live in the new or
    pre-owned house for a minimum of five years. 
    A homebuyer that needs an amount over $14,999 to meet the front and back-end-ratio will incur an increase in their affordability period from (5) years to ten (10) years.   

Approved Lenders  Homebuyer Ed   Zip Codes

   Service Area Map  DAP Brochure  
DAP - Spanish DAP - Vietnamese

Income Chart
Total Family Gross Income Cannot Exceed the Following:

Number of family members 1 2 3 4 5 6 7 8
Max annual income * $38,850 $44,400 $49,950 $55,450 $59,900 $64,350 $68,800 $73,200

Your income is not totally determined from your paycheck.  It is also determined by use of your checking, savings, investment, and retirement accounts at a rate of point six percent (.06%), plus any other forms of income you might receive, such as child support, reoccurring gifts, etc.

For Information on the Texas First Time Homebuyer Program, click on flag below:





Your Path To Home Ownership $$$$$$$$$$$$$$$$$ Ginnie Mae Logo - Back to Home Page

How much can you afford to spend on a home? Providing the information below will allow you to calculate how much you can afford to spend on a home.  However, many additional factors play a part in the loan qualification process.

To calculate how much you can afford to pay for a house, click here.

The Harris County Community Services Department's (CSD) Downpayment Assistance Program (DAP) can assist you financially with purchasing your dream home, in Harris County, Texas, if you are income eligible and a first-time buyer.  For more information about the DAP, click here.

Wheelchair signIf you or a family member are physically handicapped, you might be eligible for the Easter Seals of Greater Houston's Home of Your Own Program (HOYO), click here.  HOYO Houston offers additional funding opportunities for buying a home beyond the county or city's down payment assistance programs.   Call (713) 838-9050. 

For the City of Houston's Homebuyer Assistance Program (HAP), please click here
Harris County Housing Authority's Independence Downpayment Assistance Program:  For current Section 8 recipients. Click here to view the Brochure

Texas Veteran Land Board
1-(800) 252-VETS

Ask about purchasing land and other VA programs.

For a county map that covers the area served by Harris County's DAP program, click here.

Email your comments and questions to the Harris County DAP staff.

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