See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 7, 2026
Homebuyer Programs in Farmers Branch, TX (2026)
Farmers Branch is a suburban community in Dallas County, Texas, nestled between Dallas, Carrollton, and Irving, with a median home price around $380,000. Buyers here can access up to $7,500 through the Dallas County UPCAP Down Payment Assistance program, a deferred-payment loan for down payment and closing costs. State programs like My First Texas Home and Home Sweet Texas Home Loan Program each offer up to 5% of the loan amount in additional assistance. The NeighborWorks Waco NeighborhoodLIFT Program provides $15,000 in assistance for Dallas County buyers, with $17,500 available for veterans, teachers, law enforcement, firefighters, and EMTs. Dallas Area Habitat for Humanity also serves Farmers Branch with affordable homeownership opportunities. By stacking county, state, and nonprofit programs, buyers can significantly reduce upfront costs.
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 → |
| NeighborWorks Waco NeighborhoodLIFT Program (Dallas/Tarrant County) | Grant | $15,000 ($17,500 for veterans, teachers, law enforcement, firefighters, and EMTs) | No | View → |
- 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
How to Apply
Step 1: Check your eligibility. Dallas County UPCAP requires household income at or below HUD median income limits, a maximum housing ratio of 35%, and a debt-to-income ratio of 45% or less. You must not have owned a home in the past three years.
Step 2: Complete homebuyer education. Contact the Dallas County Home Loan Counseling Center at (214) 819-6063 for free homebuyer education courses. Completing a HUD-approved course is required for most programs.
Step 3: Get pre-approved with a participating lender. Work with a UPCAP-approved lender who can help you apply for the county program alongside your mortgage.
Step 4: Apply for state programs. Ask your lender about My First Texas Home or Home Sweet Texas Home Loan Program, which provide up to 5% of the loan amount in down payment assistance.
Step 5: Explore the NeighborWorks NeighborhoodLIFT Program. This program provides $15,000 in assistance for Dallas County buyers. Contact NeighborWorks Waco for eligibility details and application instructions.
Step 6: Find a home in Farmers Branch within program limits. Your home must be located in a UPCAP-eligible area of Dallas County.
Step 7: Submit your full application. Your lender will package your UPCAP and mortgage applications together. Expect the process to take 30 to 60 days.
Frequently Asked Questions
How much down payment assistance can I get in Farmers Branch?+−
Do I have to be a first-time homebuyer?+−
What is the maximum home price in Farmers Branch?+−
What homebuyer education is required?+−
Does Dallas Area Habitat for Humanity serve Farmers Branch?+−
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