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City of El Paso First-Time Homebuyer Program

Administered by:

City of El Paso Community and Human Development

· City · Forgivable Loan

Funding status: Seasonal

How much assistance

Up to $45,000 in Priority Housing Area; up to $25,000 outside Priority Housing Area

Forgivable loan with 3% interest and 10-year term. Up to $5,000 in down payment and closing cost assistance also available.

Income limits: 60% to 80% of Area Median Income for El Paso, as published by HUD annually
Purchase price limit: $184,000
First-time buyer required: Yes — Must not have owned a home in the past 3 years.
Geographic restrictions: Must purchase within El Paso city limits.
Homebuyer education required: Yes

Step 1: Check your household income against current HUD income limits for El Paso (60%-80% AMI).

Step 2: Complete a First-Time Homebuyer Counseling Course through a HUD-approved agency such as Project BRAVO or GECU.

Step 3: Contact the City of El Paso Community and Human Development Department to confirm the application period is open.

Step 4: Gather required documents including proof of income, identification, and residency within El Paso.

Step 5: Submit your application when the program reopens.

Texas (1 city)