See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 6, 2026
Homebuyer Programs in Beaumont, TX (2026)
Beaumont is a city in Jefferson County in Southeast Texas, with a population of about 114,000 and a median home price around $190,000. Beaumont offers one of the more affordable housing markets in Texas, and buyers here benefit from a city-funded down payment assistance program providing up to $14,999 as a forgivable loan, though the program currently has a waitlist. State programs add more support, with the My First Texas Home program offering up to 5% of the loan amount as a forgivable loan, the Homes for Texas Heroes Program providing up to 5% as a grant for teachers, first responders, and veterans, and the SETH 5 Star Texas Advantage Program offering up to 5% with forgiveness after 3 years. Habitat for Humanity of Jefferson County also builds affordable homes in Beaumont with zero-interest mortgages. By combining city and state assistance, eligible Beaumont buyers can significantly reduce out-of-pocket costs.
City Programs in Beaumont
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| City of Beaumont Down Payment Assistance Program | Forgivable Loan | Up to $14,999 | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $14,999
- First-time only:
- Yes
State Programs in Texas
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Home Sweet Texas Home Loan Program | Grant | 2%, 3%, 4% or 5% of the total loan amount (borrower chooses); grant on FHA/VA/USDA loans or 0% 3-year forgivable second lien | No | View → |
| Homes for Texas Heroes Program | Grant | Up to 5% of the loan amount (between 3% and 5%) | No | View → |
| My First Texas Home | Forgivable Loan | Up to 5% of the first lien mortgage amount | Yes | View → |
| SETH 5 Star Texas Advantage Program | Forgivable Loan | Up to 5% of the loan amount | No | View → |
- Type:
- Grant
- Amount:
- 2%, 3%, 4% or 5% of the total loan amount (borrower chooses); grant on FHA/VA/USDA loans or 0% 3-year forgivable second lien
- First-time only:
- No
- Type:
- Grant
- Amount:
- Up to 5% of the loan amount (between 3% and 5%)
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to 5% of the first lien mortgage amount
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to 5% of the loan amount
- First-time only:
- No
Federal Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| FHA Loans | Government-Insured Mortgage | Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026) | No | View → |
| Good Neighbor Next Door (HUD) | Government Property Sale Program | 50% discount off the list price of HUD-owned homes | Yes | View → |
| Home Possible Mortgage (Freddie Mac) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HomeReady Mortgage (Fannie Mae) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HUD $100 Down Program | FHA-Financed HUD REO Purchase | Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs. | No | View → |
| USDA Rural Development Loans | Government-Guaranteed Mortgage | 100% financing (no down payment required); loan amount up to appraised value | No | View → |
| VA Loans | Government-Guaranteed Mortgage | No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026) | No | View → |
- Type:
- Government-Insured Mortgage
- Amount:
- Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- FHA-Financed HUD REO Purchase
- Amount:
- Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
- First-time only:
- No
Nonprofit Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Habitat for Humanity of Jefferson County Homeownership Program | Zero-Interest Loan | Affordable home purchase with zero-interest mortgage | No | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home purchase with zero-interest mortgage
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. The City of Beaumont DPA requires household income at or below 80% of Area Median Income. You must be a first-time homebuyer or not have owned a home in the past three years. The program also extends eligibility to those displaced by legal separation or divorce.
Step 2: Complete homebuyer education. Legacy Community Development Corporation is the HUD-approved Housing Counseling Agency that administers the city program. Contact them at legacycdc.org or visit the Credit Coalition at creditcoalition.org, which also serves the Beaumont/Port Arthur area with free financial and homebuyer counseling.
Step 3: Contact Legacy CDC. Legacy CDC administers the City of Beaumont DPA on behalf of the city. Program participants attend monthly counseling sessions with a certified Housing Counselor. Note that the city program currently has a waitlist, so apply early. Contact City of Beaumont Community Development at 409-880-3763.
Step 4: Get pre-approved for a mortgage. Work with a TSAHC-approved or SETH-approved lender to access state programs like My First Texas Home or the SETH 5 Star Texas Advantage Program, which offer up to 5% of the loan amount. Your mortgage must be a fixed-rate loan (FHA, VA, Conventional, or USDA).
Step 5: Find a home within program limits. The City of Beaumont DPA has a maximum purchase price of $150,000. State programs have separate county-specific purchase price limits set by TDHCA that are typically higher.
Step 6: Submit your application and close. Your lender will coordinate program paperwork. The city assistance is a 5-year deferred forgivable loan forgiven at 20% per year. You must contribute some of your own funds toward the purchase.
Frequently Asked Questions
How much down payment assistance can I get in Beaumont?+−
Do I have to be a first-time homebuyer to get assistance in Beaumont?+−
What is the maximum home price I can purchase with city assistance?+−
Is the city program currently accepting applications?+−
What homebuyer education is required?+−
Can Habitat for Humanity help me buy a home in Beaumont?+−
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