See programs you qualify for

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

Homebuyer Programs in Missouri City, TX (2026)

Population: 82,155 | Median home price: $340,000 | Est. closing costs: $7,000 - $10,000

Missouri City is a diverse suburban community in Fort Bend County, southwest of Houston, with a median home price around $340,000. The city offers its own First Time Homebuyer Program through its Community Development Division, providing forgivable loan assistance funded by CDBG dollars. The Fort Bend County Housing Finance Corporation offers an additional $5,000 in down payment assistance for buyers at or below 120% AMI. State programs including Home Sweet Texas and Homes for Texas Heroes provide grants of up to 5% of the loan amount, and My First Texas Home offers up to 5% in forgivable assistance. Fort Bend Habitat for Humanity also serves the area with affordable homeownership opportunities for families earning 50-80% AMI. By combining city, county, and state programs, eligible Missouri City buyers can significantly reduce their upfront costs.

City Programs in Missouri City

Program Name	Type	Amount	First-Time Only	Details
Missouri City First Time Homebuyer Program	Forgivable Loan	—	Yes	View →

Missouri City First Time Homebuyer Program

Type:: Forgivable Loan
First-time only:: Yes

County Programs in Fort Bend County

Program Name	Type	Amount	First-Time Only	Details
Fort Bend County HFC Down Payment Assistance Program	Repayable Loan	Up to $5,000	Yes	View →

Fort Bend County HFC Down Payment Assistance Program

Type:: Repayable Loan
Amount:: Up to $5,000
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 →

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
Fort Bend Habitat for Humanity Homeownership Program	Zero-Interest Loan	Affordable home purchase at no profit with zero-interest mortgage	No	View →

Fort Bend Habitat for Humanity Homeownership Program

Type:: Zero-Interest Loan
Amount:: Affordable home purchase at no profit with zero-interest mortgage
First-time only:: No

Free eligibility check

14 programs available in Missouri City. See which ones you qualify for.

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Are you a first-time homebuyer?

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Question 1 of 6

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How to Apply

Step 1: Check your eligibility. The Missouri City First Time Homebuyer Program requires you to meet HUD income limits and first-time buyer definition. The Fort Bend County HFC program requires income at or below 120% AMI. You must be a legal U.S. resident for city programs.

Step 2: Complete homebuyer education. State programs through TSAHC and TDHCA require an approved homebuyer education course before closing.

Step 3: Contact the City of Missouri City Community Development Division at (281) 403-8628 or cdbg@missouricitytx.gov to learn about current assistance amounts and apply for the city's First Time Homebuyer Program.

Step 4: Apply for the Fort Bend County HFC Down Payment Assistance Program. Contact Sonia Aldrett at Covenant Capital at (713) 383-7273 or Sonia@CovenantCapital.org for up to $5,000 in assistance. This program is first-come, first-served.

Step 5: Get pre-approved for a mortgage. Work with a TSAHC-approved lender for state programs. A minimum 620 credit score is typically required for state programs.

Step 6: 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 7: Find a home and close. Your home must be within Missouri City incorporated areas for the city program and within Fort Bend County for the county program. Your lender will coordinate assistance funds at closing.

Frequently Asked Questions

How much down payment assistance can I get in Missouri City?+

Missouri City buyers can combine multiple programs: the Missouri City First Time Homebuyer Program (CDBG-funded forgivable loan, contact city for current amounts), up to $5,000 from the Fort Bend County HFC Down Payment Assistance Program, plus up to 5% of the loan amount from state programs like Home Sweet Texas, Homes for Texas Heroes, or My First Texas Home.

Do I have to be a first-time homebuyer?+

The Missouri City First Time Homebuyer Program requires you to meet the HUD definition of a first-time buyer. The Fort Bend County HFC program is primarily for first-time buyers or those who have not owned a home in 3 or more years. TSAHC state programs like Home Sweet Texas and Homes for Texas Heroes are available to both first-time and repeat buyers.

What is the maximum home price in Missouri City?+

Purchase price limits vary by program. State programs through TDHCA have county-specific price limits that change annually. Contact the City of Missouri City and the Fort Bend County HFC directly for their current limits. The median home price in Missouri City is around $340,000.

What homebuyer education is required?+

State programs through TSAHC and TDHCA require completion of an approved homebuyer education course before closing. HUD also offers free homebuyer counseling through approved agencies. Call (800) 569-4287 for a referral to a local HUD-approved counselor.

Does Fort Bend Habitat for Humanity serve Missouri City?+

Yes. Fort Bend Habitat for Humanity serves all of Fort Bend County including Missouri City, with a local office at 4645 Cartwright Rd in Missouri City. The program requires 200-275 hours of sweat equity and household income between 50-80% AMI. Contact them at (281) 403-0708 ext. 303 to apply.