See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 6, 2026
Homebuyer Programs in Georgetown, TX (2026)
Georgetown is one of the fastest-growing cities in the nation, located in Williamson County about 30 miles north of Austin, with a median home price around $400,000. While Georgetown does not currently offer a large city-funded down payment assistance program, buyers benefit from strong state-level support and local nonprofit options. Habitat for Humanity of Williamson County is headquartered in Georgetown and builds affordable homes with zero-interest mortgages, requiring 280 hours of sweat equity from partner families. At the state level, the Homes for Texas Heroes Program and Home Sweet Texas offer grants of 3% to 5% of the loan amount, and My First Texas Home provides up to 5% assistance. On a $400,000 home, state programs alone could provide $12,000 to $20,000 in down payment and closing cost assistance.
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 |
|---|---|---|---|---|
| Habitat for Humanity of Williamson County Homeownership Program | Zero-Interest Loan | Affordable home purchase with zero-interest mortgage | No | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home purchase with zero-interest mortgage
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. Most state programs require a minimum credit score of 620 and household income within program limits for Williamson County. Review your finances and determine which programs fit your situation.
Step 2: Complete homebuyer education. Most assistance programs require a HUD-approved homebuyer education course. The Texas Department of Housing and Community Affairs offers free online courses through Texas Homebuyer U. Call 800-792-1119 for details.
Step 3: Explore Habitat for Humanity of Williamson County. If you are interested in an affordable new-build home in Georgetown, contact Habitat at (512) 863-4344 or visit their office at 2108 N Austin Ave, Georgetown, TX 78626. The application process requires a minimum $1,500 pre-closing deposit and 280 hours of sweat equity.
Step 4: Get pre-approved through a participating lender. Work with a lender who participates in TSAHC or TDHCA state homebuyer programs. These lenders can combine a 30-year fixed-rate mortgage with state-level down payment assistance grants of 3% to 5% of the loan amount.
Step 5: Check Williamson County CDBG resources. Williamson County receives over $2.2 million in Community Development Block Grant funding annually. Contact the county CDBG office at (512) 943-3757 for any current homebuyer assistance offerings.
Step 6: Find a home within program limits. State programs have purchase price limits that vary by county. Habitat for Humanity homes are priced affordably based on construction costs.
Step 7: Submit your application and close. Your lender will coordinate state assistance funds. Allow 30 to 60 days for the full approval and closing process.
Frequently Asked Questions
How much down payment assistance can I get in Georgetown?+−
Do I have to be a first-time homebuyer to qualify?+−
What is the maximum home price I can purchase with assistance?+−
What homebuyer education is required?+−
Does Habitat for Humanity build homes in Georgetown?+−
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