See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 7, 2026
Homebuyer Programs in Forney, TX (2026)
Forney is one of the fastest-growing cities in Kaufman County, located about 25 miles east of Dallas along US Highway 80, with a median home price around $330,000. While Forney and Kaufman County do not currently offer city- or county-funded down payment assistance programs, buyers here benefit from strong state options. The TSAHC Home Sweet Texas Home Loan Program and Homes for Texas Heroes each offer up to 5% of the mortgage amount in DPA, potentially over $16,000 on a median-priced Forney home. The Homeownership Across Texas (HAT) grant program also provides 1-5% of the mortgage amount. Dallas Area Habitat for Humanity serves Kaufman County with affordable homeownership opportunities. By combining state programs, Forney buyers can significantly reduce their upfront costs in this rapidly growing market.
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. Texas state DPA programs generally require a minimum credit score of 620 and household income within program limits for Kaufman County.
Step 2: Complete homebuyer education. A HUD-approved homebuyer education course is required for most assistance programs. Dallas Area Habitat for Humanity offers homebuyer and financial education courses. You can also call 800-569-4287 to find a HUD-approved course.
Step 3: Contact a TSAHC-approved lender. To access the Home Sweet Texas or Homes for Texas Heroes programs, you must work with a lender in the TSAHC network. They can walk you through income limits and assistance amounts for Kaufman County.
Step 4: Explore the HAT Grant. The Homeownership Across Texas (HAT) grant program offers 1-5% of the mortgage amount that can be applied toward down payment and closing costs. Ask your lender about eligibility.
Step 5: Explore Habitat for Humanity. Dallas Area Habitat for Humanity serves Kaufman County. Visit dallasareahabitat.org for application details and eligibility requirements.
Step 6: Get pre-approved and find a home. Your lender will coordinate any DPA funds at closing. Forney's market currently favors buyers with homes averaging about 92 days on market.
Frequently Asked Questions
How much down payment assistance can I get in Forney?+−
Do I have to be a first-time homebuyer to qualify?+−
Does Forney or Kaufman County have local DPA?+−
What homebuyer education is required?+−
Is the Forney housing market favorable for buyers right now?+−
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