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Get Matched Free →Homebuyer Programs in Cedar Hill, TX (2026)
Cedar Hill is a scenic suburban city in Dallas County, Texas, located southwest of Dallas along the rolling hills of the Joe Pool Lake area. With a median home price around $335,000, buyers in Cedar Hill can take advantage of several assistance programs. The Dallas County UPCAP program provides up to $7,500 in forgivable down payment assistance for first-time buyers purchasing within Dallas County. The NeighborWorks Waco NeighborhoodLIFT Program offers $15,000 to $17,500 in grants for Dallas County buyers. State programs including the Home Sweet Texas Home Loan Program offer up to 5% of the loan amount as a grant, and Homes for Texas Heroes provides 3-5% grants for teachers and first responders. Dallas Area Habitat for Humanity also serves the area. By combining county, nonprofit, and state programs, Cedar Hill buyers could stack significant assistance toward their home purchase.
Top Homebuyer Programs in Cedar Hill
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Dallas County UPCAP Down Payment Assistance | Forgivable Loan | Up to $7,500 | 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 → |
| Dallas Area Habitat for Humanity Homeownership Program | Zero-Interest Loan | Affordable home purchase with low-interest mortgage | Yes | View → |
| NeighborWorks Waco NeighborhoodLIFT Program (Dallas/Tarrant County) | Grant | $15,000 ($17,500 for veterans, teachers, law enforcement, firefighters, and EMTs) | 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 $7,500
- 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:
- Zero-Interest Loan
- Amount:
- Affordable home purchase with low-interest mortgage
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- $15,000 ($17,500 for veterans, teachers, law enforcement, firefighters, and EMTs)
- 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 Dallas County UPCAP program requires income at or below 80% of AMI, first-time buyer status, and a maximum purchase price of $318,000. State programs have higher purchase price limits and some do not require first-time buyer status.
- Step 2:
Complete homebuyer education. The Dallas County UPCAP and state DPA programs require an approved homebuyer education course. Contact the Dallas County Home Loan Counseling Center at (214) 819-6060 for free HUD-approved classes.
- Step 3:
Apply for Dallas County UPCAP. Contact the Dallas County Home Loan Counseling Center at (214) 819-6060 or email homeloancounselingcenter@dallascounty.org to apply for up to $7,500 in forgivable down payment assistance.
- Step 4:
Explore the NeighborhoodLIFT grant. Contact NeighborWorks Waco about their Dallas/Tarrant County NeighborhoodLIFT Program, which provides $15,000 in grants ($17,500 for veterans, teachers, law enforcement, firefighters, and EMTs).
- Step 5:
Connect with a participating lender. TSAHC and TDHCA state programs are offered through approved lender networks. Ask about the Home Sweet Texas and Homes for Texas Heroes programs for additional assistance.
- Step 6:
Get pre-approved and find a home. Work with your lender to determine your maximum purchase price including all DPA funds. Note that the UPCAP program has a $318,000 purchase price cap, but state programs may cover higher-priced homes.