How much is the City of Houston Homebuyer Assistance Program worth?
Written by the Warens Financial Group education team · Reviewed by Franklin Warens, Mortgage Broker, NMLS #1249423
The City of Houston Homebuyer Assistance Program (HAP) can provide up to $75,000 toward your down payment and closing costs, structured as a forgivable loan. It is not a grant; moving or selling before the forgiveness period (generally 5 years for assistance up to $50,000, 8 years above that) ends can trigger repayment.
HAP is run by the City of Houston Housing and Community Development Department, not Warens Financial Group. Eligibility generally requires household income at or below 80% of Area Median Income, first-time buyer status (no home ownership in the prior 3 years), a home inside Houston city limits, and a fixed-rate mortgage. Program terms and income limits change, so confirm current details with the City before counting on a specific amount.
This answer is part of our guide Down Payment Assistance Programs Houston Buyers Can Use.
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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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