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 | 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:
- 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
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.