See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 7, 2026
Homebuyer Programs in Nacogdoches, TX (2026)
Nacogdoches is the county seat of Nacogdoches County in East Texas, home to Stephen F. Austin State University, with a median home price around $235,000. While Nacogdoches and Nacogdoches County do not currently offer government-funded down payment assistance programs, buyers here benefit from several valuable state and nonprofit options. The TSAHC Home Sweet Texas Home Loan Program and Homes for Texas Heroes each offer up to 5% of the mortgage amount in DPA, potentially over $11,000 on a median-priced home. Habitat for Humanity of Nacogdoches provides affordable homeownership with no-interest mortgages for qualifying families. Many Nacogdoches properties also qualify for USDA Rural Development loans with zero down payment. By combining state DPA with USDA financing, Nacogdoches buyers can significantly reduce their upfront costs.
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 |
|---|---|---|---|---|
| Habitat for Humanity of Nacogdoches Homeownership Program | Zero-Interest Loan | Affordable no-interest mortgage | No | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable no-interest mortgage
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. Texas state DPA programs generally require a minimum credit score of 620 and household income within program limits for Nacogdoches County.
Step 2: Complete homebuyer education. A HUD-approved homebuyer education course is required for most assistance programs. Contact a HUD-approved counseling agency by calling 800-569-4287 to find a course near you or online.
Step 3: Explore USDA eligibility. Much of the Nacogdoches area qualifies for USDA Rural Development loans, which require zero down payment. Check the USDA eligibility map online for your specific address.
Step 4: Contact a TSAHC-approved lender. To access the Home Sweet Texas or Homes for Texas Heroes programs, you must work with a lender in the TSAHC network. They can walk you through income limits and assistance amounts for Nacogdoches County.
Step 5: Explore Habitat for Humanity. Habitat for Humanity of Nacogdoches builds affordable homes for qualifying families. Applicants are selected based on need, willingness to partner through sweat equity, and ability to repay an affordable mortgage.
Step 6: Get pre-approved and find a home. Your lender will coordinate any DPA funds at closing. Typical timeline is 30-45 days from contract to close.
Frequently Asked Questions
How much down payment assistance can I get in Nacogdoches?+−
Do I have to be a first-time homebuyer to qualify?+−
Can I use a USDA loan in Nacogdoches?+−
What homebuyer education is required?+−
How does Habitat for Humanity of Nacogdoches work?+−
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