See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 6, 2026
Homebuyer Programs in Irving, TX (2026)
Irving is a thriving city in the heart of the Dallas-Fort Worth metroplex, home to the Las Colinas urban center and a population of over 258,000. With a median home price around $340,000, buyers benefit from one of the most generous city-level down payment assistance programs in Texas. The City of Irving Down Payment Assistance Program offers up to $50,000 in forgivable loans at zero interest for income-eligible first-time homebuyers. Additional help is available through the Dallas County UPCAP Down Payment Assistance program and statewide programs like My First Texas Home and Home Sweet Texas. By stacking the city's $50,000 forgivable loan with state assistance of up to 5% of the mortgage amount, Irving homebuyers can dramatically reduce their upfront costs.
City Programs in Irving
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| City of Irving Down Payment Assistance Program | Forgivable Loan | Up to $50,000 | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $50,000
- 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 → |
- 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 | 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 |
|---|---|---|---|---|
| Dallas Area Habitat for Humanity Homeownership Program | Zero-Interest Loan | Affordable home purchase with low-interest mortgage | Yes | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home purchase with low-interest mortgage
- First-time only:
- Yes
How to Apply
Step 1: Check your eligibility. The City of Irving program requires household income at or below 80% of the Area Median Income per HUD guidelines, and you must not have owned a home in the past three years.
Step 2: Watch the orientation video. Visit the City of Irving Housing and Redevelopment website to watch the required orientation video before beginning your application.
Step 3: Complete homebuyer education. Take an 8-hour HUD-approved homebuyer education course. The Dallas County Home Loan Counseling Center at (214) 819-6060 offers free counseling in English and Spanish. Catholic Charities Dallas also provides HUD-approved homebuyer education.
Step 4: Get pre-approved with a City of Irving approved lender. You must be approved for a home loan with a lender on the city's approved list. Ask your lender about stacking state programs like TSAHC or TDHCA assistance.
Step 5: Apply for down payment assistance. Register at the City of Irving application portal, select Down Payment Assistance, upload required documents, and submit. Call (972) 721-4800 for help.
Step 6: Find a home within Irving city limits. The property must be within the City of Irving and used as your primary residence.
Step 7: Close on your home. The city's forgivable loan of up to $50,000 will be coordinated alongside your first mortgage at closing. Loans up to $14,999 are forgiven after 5 years; loans from $15,000 to $50,000 are forgiven after 10 years.