See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 6, 2026
Homebuyer Programs in Frisco, TX (2026)
Frisco is one of the fastest-growing cities in the Dallas-Fort Worth metroplex, located primarily in Collin County with a population exceeding 245,000. The median home price sits around $625,000, making down payment assistance especially valuable for buyers here. The City of Frisco offers a Targeted Down Payment Assistance Program providing up to $10,000 as a forgivable loan for employees of the City of Frisco or Frisco ISD. Texas state programs through TSAHC and TDHCA offer additional grants of 3% to 5% of the loan amount, and Habitat for Humanity of Collin County provides affordable homeownership opportunities for qualifying families. By combining city and state programs, eligible buyers can stack significant assistance toward their home purchase.
City Programs in Frisco
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| City of Frisco Targeted Down Payment Assistance Program | Forgivable Loan | Up to $10,000 | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $10,000
- 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 |
|---|---|---|---|---|
| Habitat for Humanity of Collin County Homeownership Program | Zero-Interest Loan | Affordable home purchase at no profit with 0% interest mortgage | No | View → |
| NDBT HomeStart Program | Grant | $2,500 closing cost credit plus no PMI | No | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home purchase at no profit with 0% interest mortgage
- First-time only:
- No
- Type:
- Grant
- Amount:
- $2,500 closing cost credit plus no PMI
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. The City of Frisco DPA program requires at least one adult to work full-time for the City of Frisco or Frisco ISD for at least 6 months. Combined household income cannot exceed $144,567 and the purchase price cannot exceed $563,500. Texas state programs through TSAHC and TDHCA have separate income limits based on county AMI.
Step 2: Complete homebuyer education. The City of Frisco requires an 8-hour HUD-approved homebuyer class and a one-hour counseling session. TDHCA also offers free online homebuyer education courses.
Step 3: Contact the City of Frisco Grants Coordinator at 972-292-5108 to schedule an appointment and learn about current availability for the Targeted Down Payment Assistance Program.
Step 4: Get pre-approved for a mortgage. Work with a TSAHC or TDHCA participating lender to explore state-level down payment assistance of 3% to 5% of your loan amount in addition to the city program.
Step 5: Find a home within program limits. The Frisco city program caps the purchase price at $563,500. State programs may have different limits based on the county.
Step 6: Submit your application. Provide your homebuyer education certificates and all required documentation to the Grants Coordinator. Processing times vary based on funding availability.