See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 7, 2026
Homebuyer Programs in Duncanville, TX (2026)
Duncanville is a suburban city in southern Dallas County, offering affordable housing options just 15 minutes south of downtown Dallas. With a median home price around $290,000, Duncanville is significantly below the DFW metro average, making it an accessible entry point for first-time homebuyers. The Dallas County UPCAP Down Payment Assistance program provides up to $7,500 in closing cost and down payment funds to eligible buyers purchasing in Dallas County. Texas state programs like the SETH 5 Star Texas Advantage Program and TDHCA My First Texas Home each offer up to 5% of the loan amount in additional assistance. Dallas Area Habitat for Humanity also serves Duncanville with affordable homeownership programs and free HUD-approved housing counseling. By combining county and state programs, Duncanville buyers could access over $20,000 in total assistance.
County Programs in Dallas County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Dallas County UPCAP Down Payment Assistance | Forgivable Loan | Up to $7,500 | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $7,500
- 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 |
|---|---|---|---|---|
| Dallas Area Habitat for Humanity Homeownership Program | Zero-Interest Loan | Affordable home purchase with low-interest mortgage | Yes | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home purchase with low-interest mortgage
- First-time only:
- Yes
How to Apply
Step 1: Check your eligibility. The Dallas County UPCAP program targets low-to-moderate income households in Dallas County. State programs through TDHCA generally require a credit score of 620 or higher and county-specific income limits.
Step 2: Complete homebuyer education. The Dallas County Home Loan Counseling Center offers free HUD-approved homebuyer education seminars in English and Spanish. Call 214-819-6060 to register. Dallas Area Habitat for Humanity also offers homebuyer education and one-on-one counseling at 214-678-2300. The SETH 5 Star program provides a free online course.
Step 3: Contact the Dallas County Home Loan Counseling Center. Their team administers the UPCAP down payment assistance program providing up to $7,500. Email HLCC@dallascounty.org or call 214-819-6060.
Step 4: Explore nonprofit homeownership options. Dallas Area Habitat for Humanity builds affordable homes in Dallas County and offers comprehensive housing counseling through their Home Ownership Center.
Step 5: Get pre-approved for a mortgage. Work with a lender participating in the TDHCA or SETH programs to access state-level down payment assistance alongside your county benefits.
Step 6: Find a home and submit your application. Ensure the property is within Dallas County and meets program requirements. Your lender and Dallas County will coordinate assistance funds at closing.
Frequently Asked Questions
How much down payment assistance can I get in Duncanville?+−
Do I have to be a first-time homebuyer to qualify?+−
What is the maximum home price I can purchase?+−
What credit score do I need?+−
What homebuyer education is required?+−
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