The Harris County Downpayment Assistance Program (HCDAP) will be administered by the Harris County Housing and Community Development (HCD). This program will work with participating lenders in the delivery of downpayment assistance to eligible homebuyers in Harris County. The primary goal of this program is to increase the homeownership rate in Harris County while meeting the requirements set by the HOME/CDBG National Objectives associated with the HCDAP.
Qualified applicants may be eligible to receive financial assistance in the form of a forgivable loan to be used toward a downpayment on a new or existing home, including eligible prepaids and/or closing costs. Assistance amount will be limited to the amount necessary to achieve homeownership. Assistance will be provided in the form of a deferred forgivable loan, secured by a deed of trust with a five (5) or ten (10) year affordability period.
Funding for this program is made available through the Department of Housing and Urban Development (HUD) HOME Investment Partnership Program (HOME) or Community Development Block Grant (CDBG) funds
HUD Approved Homeownership Education Providers
HARRIS COUNTY: 2024 Median Family Income (MFI) Limits Effective June 1, 2024
|
INCOME LEVELS
|
HOUSEHOLD SIZE
|
|
1
|
2
|
3
|
4
|
5
|
6
|
7
|
8
|
|
30% Limits
|
19,900
|
22,750
|
25,600
|
28,400
|
30,700
|
32,950
|
35,250
|
37,500
|
|
Very Low Income Limits (50%)
|
33,150
|
37,850
|
42,600
|
47,300
|
51,100
|
54,900
|
58,700
|
62,450
|
|
60% Limits
|
39,780
|
45,420
|
51,120
|
56,760
|
61,320
|
65,880
|
70,440
|
74,940
|
|
Low Income (80%)
|
53,000
|
60,600
|
68,150
|
75,700
|
81,800
|
87,850
|
93,900
|
99,950
|
Maximum purchase prices
- Existing Homes - $280,000
- New Construction Homes - $292,000
Harris County Downpayment assistance program does not participate in the City of Houston, Baytown, and Pasadena. For any questions or concerns, contact us by email at hcdlendsvc@harriscountytx.gov.
Sign-up Forms for Participating Lenders and Requirements