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Get Matched Free →Homebuyer Programs in Longview, TX (2026)
Longview is a regional hub in Gregg County in East Texas with a median home price around $270,000. The City of Longview First-Time Home Buyer Program provides up to $5,500 in grant funds for first-time buyers purchasing existing homes within city limits, with grants released once per year, typically in the first week of May. Northeast Texas Habitat for Humanity, which has served the community since 1985, builds affordable homes with zero-interest mortgages in Gregg, Harrison, and Upshur Counties. 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. TSAHC also offers East Texas-specific down payment assistance grants for both first-time and repeat buyers. By combining city and state programs, eligible Longview buyers could receive $15,000 or more in total assistance.
Top Homebuyer Programs in Longview
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| City of Longview First-Time Home Buyer Program | Grant | Up to $5,500 | 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 → |
| Northeast Texas Habitat for Humanity Homeownership Program | Zero-Interest Loan | Affordable home purchase through Habitat partnership | 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 $5,500
- 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 through Habitat partnership
- 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. The City of Longview program requires first-time buyer status and moderate household income as determined by HUD. Review your credit score (most state programs require a minimum of 620) and financial situation.
- Step 2:
Complete homebuyer education. The City of Longview program requires a HUD-approved 8-hour homebuyer education course. Free online courses are available through TDHCA Texas Homebuyer U at welcomehome.tdhca.texas.gov.
- Step 3:
Contact the City of Longview Community Development Department. They administer the First-Time Home Buyer Program and can walk you through the application process. Call 903-237-1201. Note that grants are released once yearly, typically in the first week of May.
- Step 4:
Explore Northeast Texas Habitat for Humanity. If you are interested in an affordable new-build home, contact them at 903-236-0900 or visit 905 McCann Rd, Longview, TX 75606. They also offer a Critical Home Repair Program for existing homeowners.
- Step 5:
Get pre-approved through a participating state lender. Work with a lender who participates in TSAHC East Texas down payment assistance programs or TDHCA state programs. These lenders can combine a 30-year fixed-rate mortgage with state grants of 3% to 5% of the loan amount.
- Step 6:
Find an eligible home. The City of Longview program requires the property to be an existing home entirely within Longview city limits. State programs have separate purchase price limits that vary by county.
- Step 7:
Submit your application and close. Plan your home search timeline around the city grant cycle, which releases funds in May. State programs are available year-round through participating lenders.