See programs you qualify for

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

Homebuyer Programs in Irving, TX (2026)

Population: 258,636 | Median home price: $340,000 | Est. closing costs: $7,000 - $10,000

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 →

City of Irving Down Payment Assistance Program

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 →

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 Irving. See which ones you qualify for.

Free
No credit check
Takes 2 minutes

Are you a first-time homebuyer?

Yes No Not sure

Question 1 of 6

housebuyerguides

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.

Frequently Asked Questions

How much down payment assistance can I get in Irving?+

The City of Irving Down Payment Assistance Program provides up to $50,000 as a zero-interest forgivable loan for income-eligible first-time homebuyers. You can also stack this with state programs like My First Texas Home or Home Sweet Texas, which offer up to 5% of the mortgage amount in additional assistance. The Dallas County UPCAP program may provide further help depending on eligibility.

Do I have to be a first-time homebuyer to get assistance in Irving?+

The City of Irving program requires you to be a first-time homebuyer, defined as not having owned a home in the past three years. However, state programs like My Choice Texas Home do not require first-time buyer status, so repeat buyers can still access down payment assistance through those options.

How long do I have to stay in the home for the loan to be forgiven?+

The City of Irving program has a tiered forgiveness schedule. Loans up to $14,999 are forgiven after 5 consecutive years of owner-occupancy. Loans from $15,000 to $50,000 are forgiven after 10 consecutive years. The home must remain your primary residence during this period.

What homebuyer education is required in Irving?+

The City of Irving requires you to watch an orientation video on their website before applying. For HUD-approved homebuyer education courses, the Dallas County Home Loan Counseling Center offers free counseling at (214) 819-6060. Catholic Charities Dallas also provides HUD-approved classes needed by lenders and down payment assistance programs.

Does Habitat for Humanity build homes in Irving?+

Yes. Dallas Area Habitat for Humanity serves Dallas County, which includes Irving. They build affordable homes for low-income, first-time homebuyers and offer low-interest mortgage financing. Homebuyers contribute sweat equity hours alongside volunteers. Contact Dallas Area Habitat at (214) 678-2300 or visit dallasareahabitat.org for information on available homes and the application process.