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 | 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 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.