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Get Matched Free →Homebuyer Programs in Bryan, TX (2026)
Bryan is the county seat of Brazos County and the sister city to College Station, home to Texas A&M University, with a median home price around $280,000. The City of Bryan Down Payment Assistance Program provides up to $14,000 in forgivable loan funds for first-time buyers purchasing within city limits. The Brazos Valley Affordable Housing Corporation has been serving the region since 1995 with down payment assistance, homebuyer counseling, and newly constructed affordable homes. Bryan/College Station Habitat for Humanity also builds affordable homes in the area with zero-interest mortgages. At the state level, the Homes for Texas Heroes Program and Home Sweet Texas offer grants of 3% to 5% of the loan amount, and My First Texas Home provides up to 5% assistance. By combining the city program with state-level grants, eligible Bryan buyers could receive $25,000 or more in total down payment and closing cost assistance.
Top Homebuyer Programs in Bryan
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| City of Bryan Down Payment Assistance Program | Forgivable Loan | Up to $14,000 | Yes | View → |
| 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 → |
| FHLBA Community Partners Product | Forgivable Loan | Up to $20,000 in home purchase assistance for down payment and closing costs | No | View → |
| FHLBA First Time Homebuyer Product | Forgivable Loan | Up to $17,500 in home purchase assistance for down payment and closing costs | Yes | View → |
| FHLBA Workforce Housing Plus+ | Forgivable Loan | Up to $15,000 in home purchase assistance for down payment and closing costs | 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 → |
| Brazos Valley Affordable Housing Corporation Homebuyer Program | Forgivable Loan | Down payment assistance and affordable home financing | Yes | View → |
| Bryan/College Station Habitat for Humanity Homeownership Program | Zero-Interest Loan | Affordable home purchase with zero-interest mortgage | No | View → |
| Home Sweet Texas Home Loan Program | Grant | Up to 5% of the total loan amount | 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:
- Forgivable Loan
- Amount:
- Up to $14,000
- First-time only:
- Yes
- 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:
- Forgivable Loan
- Amount:
- Up to $20,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $17,500 in home purchase assistance for down payment and closing costs
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- 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
- Type:
- Forgivable Loan
- Amount:
- Down payment assistance and affordable home financing
- First-time only:
- Yes
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home purchase with zero-interest mortgage
- First-time only:
- No
- Type:
- Grant
- Amount:
- Up to 5% of the total loan amount
- 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
How to Apply
- Step 1:
Check your eligibility. The City of Bryan DPA requires household income at or below 80% of the Area Median Income for Brazos County, a minimum credit score of 640, and first-time buyer status (no home ownership in the past 3 years).
- Step 2:
Complete homebuyer education. A HUD-approved housing counseling course is required before closing. The Brazos Valley Affordable Housing Corporation offers certified homebuyer education through their eHome America partnership. Contact BVAHC at (979) 595-2809.
- Step 3:
Contact the City of Bryan Community Development Department. They administer the Down Payment Assistance Program and can walk you through eligibility and the application process. Visit 405 West 28th Street, Bryan, TX 77803 or call (979) 209-5175.
- Step 4:
Explore the Brazos Valley Affordable Housing Corporation. BVAHC provides additional down payment assistance, homebuyer counseling, and newly constructed affordable homes in the Falls Creek Ranch subdivision. Contact them at (979) 595-2809 or visit 4001 E 29th Street, Suite 180, Bryan.
- Step 5:
Get pre-approved through a participating lender. Work with a lender who participates in Texas state homebuyer programs such as My First Texas Home or Home Sweet Texas to combine city and state assistance for maximum benefit.
- Step 6:
Find a home within program limits. The City of Bryan DPA is available for single-family detached homes and condominiums within Bryan city limits. Manufactured and modular homes are excluded.
- Step 7:
Submit your application and close. You must maintain the home as your primary residence for at least 5 years for the City of Bryan forgivable loan to be fully forgiven. All household members must provide proof of citizenship or qualified legal resident alien status.