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Get Matched Free →Homebuyer Programs in Grand Prairie, TX (2026)
Grand Prairie is a growing city of over 212,000 residents in the Dallas-Fort Worth metroplex, spanning parts of Dallas, Tarrant, and Ellis counties. With a median home price around $340,000, buyers here can access the City of Grand Prairie Buying Power Program, which provides up to $7,500 as a forgivable grant for down payment and closing costs with no time-in-residence requirement. Dallas County also offers the UPCAP Down Payment Assistance program providing up to $7,500 in forgivable loans for homes under $318,000. At the state level, the My First Texas Home program and the Home Sweet Texas Home Loan Program each offer up to 5% of the loan amount in down payment assistance. Buyers should be aware that some statewide programs, including the SETH 5 Star Texas Advantage Program and the Homeownership Across Texas (HAT) Program, specifically exclude Grand Prairie. By combining city and state programs, eligible buyers could stack over $20,000 in total assistance toward their home purchase.
Top Homebuyer Programs in Grand Prairie
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| City of Grand Prairie Buying Power Program | Grant | Up to $7,500 | Yes | View → |
| Dallas County UPCAP Down Payment Assistance | Forgivable Loan | Up to $7,500 | Yes | View → |
| 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 → |
| FHLBA Community Partners Product | Forgivable Loan | Up to $20,000 in home purchase assistance for down payment and closing costs | No | View → |
| FHLBA First Time Homebuyer Product | Forgivable Loan | Up to $17,500 in home purchase assistance for down payment and closing costs | Yes | View → |
| FHLBA Workforce Housing Plus+ | Forgivable Loan | Up to $15,000 in home purchase assistance for down payment and closing costs | 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 → |
| Dallas Area Habitat for Humanity Homeownership Program | Zero-Interest Loan | Affordable home purchase with low-interest mortgage | Yes | View → |
| 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 $7,500
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $7,500
- First-time only:
- Yes
- 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:
- Forgivable Loan
- Amount:
- Up to $20,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $17,500 in home purchase assistance for down payment and closing costs
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- 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
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home purchase with low-interest mortgage
- First-time only:
- Yes
- 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
How to Apply
- Step 1:
Check your eligibility. Most programs require household income at or below 80% of the Area Median Income. The City of Grand Prairie Buying Power Program and Dallas County UPCAP both use this threshold. Visit the city's Housing and Neighborhood Services website or call 972-237-8176 to confirm current income limits.
- Step 2:
Complete homebuyer education. All borrowers must complete a HUD-approved homebuyer education course before closing. The Dallas County Home Loan Counseling Center offers free classes in English and Spanish and can be reached at 214-819-6060.
- Step 3:
Get pre-approved for a mortgage. Contact a TSAHC-approved lender if you plan to use the My First Texas Home or Home Sweet Texas programs, as these require participating lenders. For the city Buying Power Program, conventional, FHA, and VA loans are all accepted.
- Step 4:
Contact the City of Grand Prairie Housing and Neighborhood Services at 972-237-8176 or visit their office at 210 W Main St, Grand Prairie, TX 75050 to begin the Buying Power Program application.
- Step 5:
Find a home within program guidelines. The Buying Power Program requires an existing home within Grand Prairie city limits that passes a Housing Quality Standards inspection. If using Dallas County UPCAP, the maximum purchase price is $318,000.
- Step 6:
Submit your applications and complete closing. Allow time for the city's HQS inspection and program processing. Your lender and housing counselor can help coordinate the timing of multiple assistance programs.