See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 6, 2026
Homebuyer Programs in New Braunfels, TX (2026)
New Braunfels is one of the fastest-growing cities in Texas, located along the I-35 corridor between San Antonio and Austin in Comal County. With a median home price of approximately $340,000, homebuyers here benefit from strong state-level assistance programs even though the city does not currently operate its own down payment assistance program. The My First Texas Home program and the Home Sweet Texas Home Loan Program each offer up to 5% of the loan amount in down payment assistance, which could mean approximately $17,000 on a median-priced home. The Homes for Texas Heroes Program provides similar assistance specifically for teachers, first responders, and veterans. Comal County Habitat for Humanity also offers affordable homeownership opportunities with zero-interest mortgages for qualifying families. By stacking a state DPA program with other available assistance, New Braunfels 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 |
|---|---|---|---|---|
| Comal County Habitat for Humanity Homeownership Program | Zero-Interest Loan | Affordable home sold at no profit with a zero-interest mortgage | No | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home sold at no profit with a zero-interest mortgage
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. Most Texas state programs require a minimum credit score of 620 and household income within program limits for the San Antonio-New Braunfels metro area. Some programs like My First Texas Home require first-time buyer status, while others like Home Sweet Texas do not.
Step 2: Complete homebuyer education. Texas state programs require completion of a HUD-approved homebuyer education course. TDHCA offers free online courses — call (800) 792-1119 to register.
Step 3: Connect with a participating lender. State DPA programs like My First Texas Home and the TSAHC programs work through a network of approved lenders. Visit the TDHCA or TSAHC websites to find a participating lender in the New Braunfels area.
Step 4: Get pre-approved for a mortgage. Your participating lender will determine which state programs you qualify for and how much down payment assistance you can receive — up to 5% of the loan amount.
Step 5: Find a home within program limits. State programs have purchase price limits that vary by county. Your lender can confirm the current limits for Comal County.
Step 6: Submit your application and close. Work with your lender to finalize the state assistance and complete your home purchase. Down payment assistance is applied at closing to reduce your out-of-pocket costs.
Frequently Asked Questions
How much down payment assistance can I get in New Braunfels?+−
Do I have to be a first-time homebuyer to qualify?+−
What is the maximum home price I can purchase?+−
What homebuyer education is required?+−
Are there programs for low-income families in New Braunfels?+−
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