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Get Matched Free →Homebuyer Programs in Mesquite, TX (2026)
Mesquite is a growing city of nearly 149,000 residents in Dallas County, just east of Dallas, with a median home price around $275,000. First-time buyers in Mesquite can access the City of Mesquite Down Payment Assistance Program (DPAP), which provides up to $10,000 as a forgivable loan toward down payment and closing costs. Dallas County residents may also qualify for the Dallas County UPCAP program offering up to $7,500 in forgivable down payment assistance. At the state level, programs like the Home Sweet Texas Home Loan Program and My First Texas Home offer up to 5% of the loan amount in grant or forgivable loan assistance. The FHLB Dallas HELP Program provides grants up to $20,000 through participating lenders. By combining city, county, state, and federal programs, Mesquite buyers can stack significant assistance to reduce out-of-pocket costs.
Top Homebuyer Programs in Mesquite
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| City of Mesquite Down Payment Assistance Program (DPAP) | Forgivable Loan | Up to $10,000 | Yes | View → |
| Dallas County UPCAP Down Payment Assistance | Forgivable Loan | Up to $7,500 | 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 → |
| Dallas Area Habitat for Humanity Homeownership Program | Zero-Interest Loan | Affordable home purchase with low-interest mortgage | Yes | View → |
| FHLB Dallas HELP Program | Grant | Up to $20,000 | 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:
- Forgivable Loan
- Amount:
- Up to $10,000
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $7,500
- 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 with low-interest mortgage
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- Up to $20,000
- 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. Most Mesquite programs require household income at or below 80% of the Area Median Income. The City of Mesquite DPAP also requires a debt-to-income ratio at or below 43%.
- Step 2:
Complete homebuyer education. The City of Mesquite requires an 8-hour HUD-approved homebuyer education course before applying for DPAP assistance. Contact a HUD-approved counseling agency or the Dallas County Home Loan Counseling Center at (214) 819-6063 to find available courses.
- Step 3:
Contact the City of Mesquite Housing and Community Services at (972) 216-6425 to learn about current DPAP funding availability. The program operates on a first-come, first-served basis with funding available October through September each year.
- Step 4:
Get pre-approved for a mortgage. Work with a lender participating in Texas state homebuyer programs such as the Home Sweet Texas Home Loan Program or My First Texas Home. Ask your lender about the FHLB Dallas HELP grant program as well.
- Step 5:
Find a home within Mesquite city limits. For the DPAP, the property must be located within the Mesquite city limits and you must contribute at least 1% of the sales price toward the purchase.
- Step 6:
Submit your applications. Provide your homebuyer education certificate, proof of income, identification, and your signed sales contract to the City of Mesquite Housing and Community Services to apply for the DPAP. Your lender can submit applications for state programs and the FHLB HELP grant simultaneously.