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Single Family New Construction Program

Harris County Single Family New Construction Program is currently not accepting applications. SFNCP will resume taking applications in the first quarter of 2025.

Harris County’s Single Family New Construction Program (SFNCP) matches individuals and families with opportunities to purchase affordable new homes throughout the county.

The destruction wrought by Hurricane Harvey underscored critical shortages in Harris County’s inventory of affordable, resilient homes. In response, Harris County has partnered with home developers in the community to provide this program, which offers home-buying opportunities in amenities-rich, mixed-income communities to Harris County residents whose household income does not exceed 80% of the Area Median Income (as defined by the US. Department of Housing and Urban Development [HUD]).

As part of Harris County Project Recovery, the Single Family New Construction Program is designed to bridge the gap between what homebuyers can afford and the price of their desired home.

The SFNC Program can provide the following benefits:

  • Sales price reduction of up to 45%
  • Full closing cost assistance
  • Mortgage rate points buydown
  • Up to $35,000 in down payment assistance (as-need basis)

Working with our development partners, we have already acquired thirty-six (36) newly constructed homes with plans for more. Additionally, we are working to begin construction on our own homes so that by the end of 2023, there will be a total of up to 171 resilient, affordable new homes available for purchase. In total, plans are underway for an estimated 200 homes that we aim to have sold by the late Summer of 2024.

Note: Data below is no longer being updated. Archive information.

200

affordable new single-family homes in amenities-rich communities being developed.

Note: archive information, no longer updated. 

36

homes ready for sale with more on the way

Note: archive information, no longer updated. 

52

Million funding for affordable home development

Note: archive information, no longer updated. 

Homebuyer Process

Eligibility Overview
Homes built through the Single-Family New Construction Program are currently available to qualified applicants. In efforts to increase the affordability of the home, applicants may be eligible to receive up to $35,000 in down payment assistance (including closing costs) as well as up to a 45% price reduction on the home.

To be eligible to participate in the SFNC Program you must be able to meet the following requirements:

*Required to be Harris County Residents with a minimum of 6-month residency*

  • Households with incomes at or below 80% of the AMI
  • Must be U.S. citizen or hold an Eligible Immigrant status (permanent resident or approved asylum status only).
  • Must attend and complete an 8-hour, HUD-certified Homebuyer Class. Certificate is good for one year after taking the class. See document in section above for our homebuyer class partners offering classes year-round. (Applicant and Co-Applicant must each receive a certificate of completion)
  • If you must improve your credit score to in order to qualify for a mortgage, you are welcome to work with a one of our credit counseling partners from the document below.

FY 2024 HUD Income Limits 
Harris County Service Area

Income Limit Category 1 Person Household 2 Person Household 3 Person Household 4 Person Household 5 Person Household 6 Person Household 7 Person Household 8 Person Household
30% Income $19,900 $22,750 $25,600 $28,400 $30,700 $32,950 $35,250 $37,500
50% Income $33,150 $37,850 $42,600 $47,300 $51,100 $54,900 $58,700 $62,450
80% Income $53,000 $60,600 $68,150 $75,700 $81,800 $87,850 $93,900 $99,950
120% Income $79,450 $90,800 $102,150 $113,500 $122,600 $131,700 $140,750 $149,850

Source: U.S. Department of Housing & Urban Development
Up to 80% Income Limits effective May 1, 2024
Up to 120% Income Limits effective May 1, 2024

    Updated 4/30/2024

Award Determination

  • Homebuyers will pay no more than 39% of their incomes toward housing costs, these include:
    • Mortgage principal and interest
    • Private mortgage insurance
    • Property taxes
    • Homeowners’ insurance
    • HOA fees
  • Homebuyers will pay no more than 42% of their incomes toward housing costs and other debt, which may include:
    • Car payments
    • Revolving loans (credit card monthly payment)
    • Student loans
    • Child Support & Other Obligations
    • Other Loans

To learn more about how you can apply for a new home, please contact
the Single-Family New Home Construction Program at
dr-sfnc@harriscountytx.gov or call 832-927-8301.

Additional notes:

  • FHA loans require a credit score of 580 and above
  • After closing, homebuyers must live in and maintain the home for an affordability period of 10 years following your purchase. If they move out before the affordability period is up, they will be required to payback a prorated amount of the assistance provided.
  • Homebuyers must not have existing mortgages that they cannot pay off.
  • If applicable, homebuyers must be current on:
    • Child support payments
    • Property taxes

Harris County Single Family New Construction Program Communities

Community Total Funds Spent SFNC Units Available for Sale Date Status
1. Katy Crossing $908,325 3 Q2 2022 1 Home Available
2. Windrow in Hockley $3,084,674 9 Now Available 6 Homes Available
3. Ella and FM 1960 $13,369,189 31 Q3 2023 Planning
4. Orchard Place in Pasadena $12,004,423 27 Q3 2023 Pre-Construction
5. Kenswick in Humble $13,413,288 22 2024 Planning
6. Connorvale in Aldine $11,234,303 24 Q4 2023 Planning
7. Memorial Chase in NW Houston $565,553 2 Q2 2022 All Homes Sold
8. Drewmark in Tomball $872,787 3 Now Available 1 Home Available
9. Gaston in Aldine $765,019 3 Q2 2022 1 Home Available
10. Hospital St in Tomball $842,705 3 Now Available 3 Homes Available
11. Pine Grove in Spring $3,551,868 13 Now Available 12 Homes Available
Total $60,612,134 140

*Information last updated April 28 2023

Additional Resources

Stay Connected
Contact Us

Office: (832) 927-8200,TTY users call 711
Disaster Recovery Hotline: (832) 927-8301 or email DR.Hotline@csd.hctx.net
Project Recovery Buyout Program Call Center: (832)927-4961, or email RebuildHarris@csd.hctx.net

U.S. Department of Housing and Urban Development

Address: 451 7th Street S.W., Washington, DC 20410
Phone: (202) 708-1112
TTY: (202) 708-1455