See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 6, 2026
Homebuyer Programs in Pearland, TX (2026)
Pearland is a fast-growing suburb south of Houston straddling Brazoria and Harris counties, with a median home price around $375,000. The Brazoria County First Time Homebuyer Program offers down payment and closing cost assistance as a forgivable loan, forgiven at 20% per year over five years for amounts under $15,000 or at 10% per year over ten years for larger amounts. Texas state programs including the TDHCA My First Texas Home Program and TSAHC Homes Sweet Texas Program provide additional assistance of up to 5% of the loan amount as a grant or forgivable second lien. The SETH 5 Star Texas Advantage Program, administered by the Southeast Texas Housing Finance Corporation based in the Houston area, also covers Pearland buyers. By stacking county and state programs, eligible Pearland buyers can significantly reduce their upfront homeownership costs.
County Programs in Brazoria County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Brazoria County First Time Homebuyer Program | Forgivable Loan | Up to 50% of required down payment | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to 50% of required down payment
- 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 |
|---|---|---|---|---|
| Bay Area Habitat for Humanity Homeownership Program | Zero-Interest Loan | Affordable home purchase with zero-interest mortgage | No | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home purchase with zero-interest mortgage
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. The Brazoria County First Time Homebuyer Program requires low to moderate income based on HUD guidelines for Brazoria County. You must be a first-time homebuyer and the home must be located within Brazoria County.
Step 2: Complete homebuyer education. Most down payment assistance programs require completion of a HUD-approved homebuyer education course. Contact Brazoria County Community Development at 979-864-1860 for approved course options in your area.
Step 3: Contact Brazoria County Community Development. Call 979-864-1860 to inquire about current funding availability and begin the application process. Funding is limited and distributed on a first-come, first-served basis.
Step 4: Explore state programs. Ask your lender about the TDHCA My First Texas Home Program, the TSAHC Homes Sweet Texas Program, and the SETH 5 Star Texas Advantage Program. These provide additional down payment assistance that may be combined with the county program.
Step 5: Get pre-approved for a mortgage. Work with a participating lender to determine your maximum purchase price and confirm which programs you qualify for.
Step 6: Find a home within Brazoria County. The county program requires the home to be in Brazoria County. State programs have purchase price limits that vary by county.
Step 7: Submit your full application and close on your home. The county forgivable loan funds and any state assistance are coordinated through your lender and applied at closing.
Frequently Asked Questions
How much down payment assistance can I get in Pearland?+−
Do I have to be a first-time homebuyer to qualify?+−
How does the Brazoria County forgivable loan work?+−
What homebuyer education is required?+−
Is Pearland eligible for Harris County housing programs?+−
What other housing programs are available in Pearland?+−
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