See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 6, 2026
Homebuyer Programs in Conroe, TX (2026)
Conroe is a fast-growing city in Montgomery County, about 40 miles north of downtown Houston, with a median home price around $320,000. Homebuyers in Conroe can access the Montgomery County HOME Down Payment Assistance Program, which provides up to $12,600 in grant funds for qualifying buyers through Easter Seals Greater Houston, though this program primarily serves buyers purchasing outside the Conroe city limits within Montgomery County. Habitat for Humanity of Montgomery County also builds affordable homes in the area and accepts applications for its homeownership program. At the state level, the Texas State Affordable Housing Corporation offers the Homes for Texas Heroes Program and the Home Sweet Texas Home Loan Program with grants covering 3% to 5% of the loan amount, while the Texas Department of Housing and Community Affairs provides up to 5% assistance through its My First Texas Home program. By combining county and state-level programs, eligible buyers in the Conroe area may be able to stack significant down payment and closing cost assistance.
County Programs in Montgomery County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Montgomery County TX HOME Down Payment Assistance Program | Grant | Up to $12,600 | Yes | View → |
- Type:
- Grant
- Amount:
- Up to $12,600
- 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 Montgomery County TX Homeownership Program | Zero-Interest Loan | Affordable mortgage on a Habitat-built home | No | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable mortgage on a Habitat-built home
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. Most programs require household income at or below 80% of the Area Median Income for Montgomery County. Review your credit score, savings, and debt-to-income ratio to determine which programs fit your situation.
Step 2: Complete homebuyer education. Most programs require a HUD-approved homebuyer education course. Easter Seals Greater Houston, which administers the Montgomery County HOME Fund, can direct you to approved providers. Contact them at 713-838-9050 ext. 353.
Step 3: Contact Easter Seals Greater Houston. They administer the Montgomery County HOME Down Payment Assistance Program and can walk you through eligibility requirements and the application process. Call 713-838-9050 or 832-405-4306.
Step 4: Explore Habitat for Humanity of Montgomery County. If you are interested in an affordable new-build home, contact Habitat at (936) 441-4663 or visit their office at 1501 S 7th St in Conroe to learn about upcoming application windows.
Step 5: Get pre-approved for a mortgage. Work with a lender who participates in Texas state homebuyer programs such as My First Texas Home or Home Sweet Texas. These lenders can combine a competitive 30-year fixed-rate mortgage with state-level down payment assistance grants.
Step 6: Find a home within program limits. The Montgomery County HOME Fund has purchase price limits of $189,000 for pre-existing homes and $224,000 for new construction. State programs have their own limits that vary by county.
Step 7: Submit your application and close. Once you have a signed contract, your lender and program administrator will coordinate the assistance funds. Allow 30 to 60 days for the full approval and closing process.
Frequently Asked Questions
How much down payment assistance can I get in Conroe?+−
Do I have to be a first-time homebuyer to qualify?+−
What is the maximum home price I can purchase with assistance?+−
What homebuyer education is required?+−
Does the Montgomery County HOME Fund cover buyers inside the City of Conroe?+−
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