What credit score do I need for down payment assistance in Houston?
Most Texas and Houston down payment assistance programs, including TDHCA, TSAHC, and many used with the City of Houston Homebuyer Assistance Program, generally look for a minimum credit score of about 620.
TDHCA's My First Texas Home and TSAHC's Home Sweet Texas both typically look for about 620, while the City of Houston Homebuyer Assistance Program can offer up to $30,000 (forgivable over 5 years) with credit requirements that vary by participating lender. Income limits and other eligibility rules apply to each program, and terms change, so confirm current details with the program and a licensed lender.
This answer is part of our guide What Credit Score Do You Need to Buy a House in Texas?, which covers loan minimums, Houston down payment assistance, and how to improve your score before applying.
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Educational content only; not financial, legal, or tax advice, a commitment to lend, or an offer of credit. Program requirements vary by lender and change over time; eligibility depends on your full financial profile. Warens Financial Group, NMLS #2532048. Franklin Warens, Mortgage Broker, NMLS #1249423. Equal Housing Opportunity.
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Every situation is different. Our licensed Houston team can look at your credit, budget, and goals and tell you which programs may fit, en inglés o en español. Free, no obligation, and not a commitment to lend.
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