See programs you qualify for

By Tyler Thompson · Licensed Real Estate Agent · Updated April 6, 2026

Homebuyer Programs in Grand Prairie, TX (2026)

Population: 212,896 | Median home price: $340,000 | Est. closing costs: $7,000 - $10,000

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.

City 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 →

City of Grand Prairie Buying Power Program

Type:: Grant
Amount:: Up to $7,500
First-time only:: Yes

County Programs in Dallas County

Program Name	Type	Amount	First-Time Only	Details
Dallas County UPCAP Down Payment Assistance	Forgivable Loan	Up to $7,500	Yes	View →

Dallas County UPCAP Down Payment Assistance

Type:: Forgivable Loan
Amount:: Up to $7,500
First-time only:: Yes

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 →

Home Sweet Texas Home Loan Program

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

Homes for Texas Heroes Program

Type:: Grant
Amount:: Up to 5% of the loan amount (between 3% and 5%)
First-time only:: No

My First Texas Home

Type:: Forgivable Loan
Amount:: Up to 5% of the first lien mortgage amount
First-time only:: Yes

SETH 5 Star Texas Advantage Program

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 →

FHA Loans

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

Good Neighbor Next Door (HUD)

Type:: Government Property Sale Program
Amount:: 50% discount off the list price of HUD-owned homes
First-time only:: Yes

Home Possible Mortgage (Freddie Mac)

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

HomeReady Mortgage (Fannie Mae)

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

HUD $100 Down Program

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

USDA Rural Development Loans

Type:: Government-Guaranteed Mortgage
Amount:: 100% financing (no down payment required); loan amount up to appraised value
First-time only:: No

VA Loans

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 →

Dallas Area Habitat for Humanity Homeownership Program

Type:: Zero-Interest Loan
Amount:: Affordable home purchase with low-interest mortgage
First-time only:: Yes

Free eligibility check

14 programs available in Grand Prairie. See which ones you qualify for.

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Question 1 of 6

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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.

Frequently Asked Questions

How much down payment assistance can I get in Grand Prairie?+

Grand Prairie buyers can potentially stack multiple programs. The City of Grand Prairie Buying Power Program offers up to $7,500 as a forgivable grant. Dallas County UPCAP provides up to $7,500 in additional assistance. State programs like My First Texas Home and Home Sweet Texas each offer up to 5% of the loan amount. For a $340,000 home, combining city and state assistance could total over $20,000. Note that the SETH 5 Star and HAT programs specifically exclude Grand Prairie.

Do I have to be a first-time homebuyer to qualify?+

The City of Grand Prairie Buying Power Program and Dallas County UPCAP both require first-time buyer status, defined as not having owned a home in the past 3 years. The state My First Texas Home program also targets first-time buyers. However, the Home Sweet Texas Home Loan Program is open to both first-time and repeat buyers, and the Homes for Texas Heroes Program is available to qualifying teachers, first responders, corrections officers, and veterans regardless of previous homeownership.

What is the maximum home price I can purchase?+

The City of Grand Prairie Buying Power Program does not publish a specific purchase price cap, but the property must be an existing home within city limits. Dallas County UPCAP has a maximum purchase price of $318,000. State programs through TSAHC have their own acquisition cost limits that vary by county and are updated annually. Check with a TSAHC-approved lender for current limits in Dallas County.

What homebuyer education is required?+

All borrowers using the Buying Power Program must complete a HUD-approved homebuyer education course. The Dallas County Home Loan Counseling Center at 214-819-6060 offers free homebuyer education classes in English and Spanish. TSAHC state programs also require completion of an approved homebuyer education course before closing.

Which Texas statewide programs exclude Grand Prairie?+

Two notable statewide programs specifically exclude Grand Prairie: the SETH 5 Star Texas Advantage Program and the Homeownership Across Texas (HAT) Program. The Tarrant County Homebuyer Assistance Program also excludes homes within Grand Prairie city limits. However, Grand Prairie buyers still have access to TSAHC programs including My First Texas Home, Home Sweet Texas, and Homes for Texas Heroes, plus the city Buying Power Program and Dallas County UPCAP.