Dallas Down Payment Assistance 2026: DHAP Up to $60,000 + Fort Worth & DFW Programs

Dallas Down Payment Assistance Programs (2026): DHAP Up to $60,000, Plus DFW City Programs

The Dallas Homebuyer Assistance Program (DHAP) offers up to $50,000, and up to $60,000 in High Opportunity Areas, to income-eligible buyers purchasing inside Dallas city limits.

Buying in Fort Worth, Grand Prairie, Mesquite, or Frisco instead? Those cities run their own programs, and statewide TSAHC and TDHCA assistance works across the whole Metroplex.

Dallas-Fort Worth programs at a glance

Program	Assistance	Where & who
Dallas Homebuyer Assistance Program (DHAP)	Up to $50,000; up to $60,000 in High Opportunity Areas	Income-eligible buyers inside Dallas city limits, using a DHAP-approved lender
Fort Worth Homebuyer Assistance Program (HAP)	Up to $25,000 forgivable loan	First-time buyers under 80% AMI inside Fort Worth city limits
Grand Prairie Buying Power Program	Up to $7,500 grant	First-time buyers under 80% AMI, existing homes up to $350,000 inside Grand Prairie
Mesquite Down Payment Assistance (DPAP)	Up to $10,000 deferred forgivable loan	First-time buyers under 80% AMI inside Mesquite; buyer contributes at least 1%
Frisco Down Payment Assistance	Up to $10,000 forgivable loan	City of Frisco and Frisco ISD employees, income up to $146,158, price up to $563,500
TSAHC & TDHCA (statewide)	Grant or deferred second, often 3–5% of the loan	Buyers anywhere in DFW who meet income limits, including Plano, Irving, Garland, and Arlington

Details as published by each city and by Business & Community Lenders of Texas as of September 2026. City funding opens and pauses, so confirm availability before you write an offer.

Dallas Homebuyer Assistance Program (DHAP)

DHAP is run for the City of Dallas by Business & Community Lenders of Texas (BCL of Texas). Assistance goes up to $50,000, or up to $60,000 for homes in the City's High Opportunity Areas.

Home inside Dallas city limits.

Household income within the program limit for your household size.

First mortgage approved by a DHAP lender.

Homebuyer education certificate from a DHAP provider.

An executed purchase contract, then an inspection and environmental review before closing.

Household size	80% AMI	120% AMI
1 person	$67,850	$101,724
2 people	$77,550	$116,256
4 people	$96,900	$145,320
8 people	$127,950	$191,822

DHAP income limits effective June 1, 2026, as published by BCL of Texas. Which tier applies depends on the DHAP option you use.

Dallas down payment assistance FAQ

How much is the Dallas Homebuyer Assistance Program?

Up to $50,000, or up to $60,000 in High Opportunity Areas, for eligible buyers inside Dallas city limits.

Do I have to be a first-time buyer for DHAP?

BCL of Texas lists income, city limits, an approved lender, and homebuyer education as the core requirements. Confirm current rules in the Readiness Check.

Can I use DHAP in Plano, Irving, or Garland?

No. DHAP requires Dallas city limits. TSAHC and TDHCA programs can work in those suburbs.

Is there help for Fort Worth buyers?

Yes. Fort Worth's HAP offers up to $25,000 as a forgivable loan for first-time buyers under 80% AMI inside Fort Worth city limits.