See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 6, 2026
Homebuyer Programs in Mansfield, TX (2026)
Mansfield is a fast-growing city in Tarrant County, part of the Dallas-Fort Worth metroplex, with a median home price around $434,000. Homebuyers in Mansfield can access the Tarrant County Homebuyer Assistance Program, which offers up to $50,000 in forgivable loan assistance for qualifying buyers at or below 80% AMI. The statewide Home Sweet Texas and Homes for Texas Heroes programs provide grants of up to 5% of the loan amount, and My First Texas Home offers up to 5% in forgivable down payment assistance. Trinity Habitat for Humanity is also actively building affordable homes in Mansfield through its Sayers Landing project. By combining county and state programs, eligible buyers could stack significant assistance to reduce their upfront costs.
County Programs in Tarrant County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Tarrant County Homebuyer Assistance Program | Forgivable Loan | Up to $50,000 | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $50,000
- 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 → |
- 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
- 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 |
|---|---|---|---|---|
| Trinity Habitat for Humanity Homeownership Program | Zero-Interest Loan | Affordable home with zero-interest mortgage sold at no profit | No | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home with zero-interest mortgage sold at no profit
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. Most programs require household income at or below 80% AMI for Tarrant County. The Tarrant County Homebuyer Assistance Program also requires liquid assets under $25,000 and a minimum $1,500 borrower investment.
Step 2: Complete homebuyer education. A HUD-certified homebuyer workshop is required for the Tarrant County program. Contact Housing Channel at (817) 924-5091 or counseling@housingchannel.org to enroll.
Step 3: Get pre-approved for a mortgage. Work with a participating lender approved by the Tarrant County program or a TSAHC-approved lender for state programs. A minimum 620 credit score is typically required.
Step 4: Apply for the Tarrant County Homebuyer Assistance Program. Contact Housing Channel to begin your application. You'll need income documentation, asset verification, and proof of two months' mortgage payment reserves.
Step 5: Apply for state programs. Complete the TSAHC eligibility quiz at tsahc.org to see if you qualify for Home Sweet Texas or Homes for Texas Heroes grants of up to 5% of your loan amount.
Step 6: Find a home in Mansfield. Your home must be in Tarrant County but outside Fort Worth, Arlington, and Grand Prairie city limits to qualify for the county program.
Step 7: Close on your home. Your lender and Housing Channel will coordinate the closing process, applying your assistance funds toward down payment and closing costs.
Frequently Asked Questions
How much down payment assistance can I get in Mansfield?+−
Do I have to be a first-time homebuyer?+−
What is the income limit for Mansfield homebuyer programs?+−
What homebuyer education is required?+−
Does Trinity Habitat for Humanity build homes in Mansfield?+−
Free eligibility check
Buying a home in Mansfield? 13 programs could help.
How soon are you looking to buy?