See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 6, 2026
Homebuyer Programs in Corpus Christi, TX (2026)
Corpus Christi is a coastal city in South Texas with a population of approximately 317,000 and a median home price around $240,000, making it one of the more affordable metro areas in the state. The City of Corpus Christi Homebuyer Assistance Program offers first-time buyers up to $25,000 in down payment assistance plus up to $10,000 for closing costs as a zero-interest forgivable loan. State programs add even more support, including My First Texas Home and the Home Sweet Texas Home Loan Program, each providing up to 5% of the loan amount in down payment assistance, and the Homes for Texas Heroes Program for educators and first responders. By combining the city program with state assistance, eligible Corpus Christi buyers could stack over $40,000 in total help toward purchasing their first home.
City Programs in Corpus Christi
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| City of Corpus Christi Homebuyer Assistance Program | Forgivable Loan | Up to $25,000 in down payment assistance plus up to $10,000 for closing costs | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $25,000 in down payment assistance plus up to $10,000 for closing costs
- 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 Corpus Christi Homeownership Program | Zero-Interest Loan | Affordable home with zero-interest mortgage | No | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home with zero-interest mortgage
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. The City of Corpus Christi Homebuyer Assistance Program requires household income at or below 80% of Area Median Income ($55,450 for a family of four). You must be a first-time homebuyer.
Step 2: Complete homebuyer education. Catholic Charities of Corpus Christi is a HUD-approved counseling agency offering pre-purchase education workshops and homebuyer counseling. Contact them at (361) 884-0651.
Step 3: Contact the City of Corpus Christi Neighborhood Services Department at (361) 826-3010 to confirm the application period is open. The program operates on a cyclical basis and closes when funds are exhausted.
Step 4: Get pre-approved for a mortgage. Work with a participating lender to determine which combination of local and state programs you qualify for. For state programs, find a TSAHC or TDHCA participating lender.
Step 5: Find a home within Corpus Christi city limits. The City program has a maximum purchase price of $173,000 for existing homes or $238,000 for new construction.
Step 6: Submit your application. Your lender will process your assistance alongside your mortgage application. State program DPA is applied at closing.
Frequently Asked Questions
How much down payment assistance can I get in Corpus Christi?+−
Do I have to be a first-time homebuyer to qualify for Corpus Christi programs?+−
What is the maximum home price I can pay using these programs?+−
What homebuyer education is required in Corpus Christi?+−
Is the City of Corpus Christi Homebuyer Assistance Program currently open?+−
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