See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 6, 2026
Homebuyer Programs in Pflugerville, TX (2026)
Pflugerville is a fast-growing suburb just north of Austin in Travis County with a median home price around $370,000. Buyers here benefit from the Travis County Hill Country Home Down Payment Assistance Program, which offers 4% to 6% of the loan amount as a zero-interest, 10-year forgivable second mortgage. The BCL of Texas NeighborhoodLIFT program adds up to $7,500 in additional forgivable down payment assistance. Austin Habitat for Humanity also serves Travis County with full homeownership programs. Combined with TSAHC and TDHCA state programs, Pflugerville buyers can stack significant assistance to bring their out-of-pocket costs down substantially.
County Programs in Travis County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Travis County Hill Country Home Down Payment Assistance Program | Forgivable Loan | 4%, 5%, or 6% of the initial principal balance of the loan amount | No | View → |
- Type:
- Forgivable Loan
- Amount:
- 4%, 5%, or 6% of the initial principal balance of the loan amount
- First-time only:
- No
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 |
|---|---|---|---|---|
| Austin Habitat for Humanity Homeownership Program | Zero-Interest Loan | Affordable home purchase (homes starting around $152,000 to $183,000) | Yes | View → |
| BCL of Texas NeighborhoodLIFT Program (Austin) | Forgivable Loan | Up to $7,500 | No | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home purchase (homes starting around $152,000 to $183,000)
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $7,500
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. The Travis County Hill Country Home DPA requires a credit score of at least 640, income up to 140% of the Area Median Income ($138,460), and a debt-to-income ratio under 45%. This program is open to both first-time and repeat buyers.
Step 2: Complete homebuyer education. BCL of Texas at 1011 San Jacinto Blvd Suite 500, Austin offers HUD-approved homebuyer education and counseling. Contact them at (512) 912-9884.
Step 3: Contact a participating lender from the Travis County Housing Finance Corporation lender list to apply for the Hill Country Home DPA offering 4-6% of your loan amount as forgivable assistance.
Step 4: Explore the BCL of Texas NeighborhoodLIFT program for an additional $7,500 in forgivable down payment assistance by contacting BCL at (512) 912-9884.
Step 5: Get pre-approved through a TSAHC or TDHCA participating lender to layer state-level down payment grants on top of local programs.
Step 6: Find a home in Pflugerville within the purchase price limit of $364,452 for the Hill Country Home DPA. Single-family homes, condos, and townhomes are eligible.
Frequently Asked Questions
How much down payment assistance can I get in Pflugerville?+−
Do I have to be a first-time homebuyer to qualify?+−
What is the maximum home price I can purchase?+−
What credit score do I need?+−
What homebuyer education is required?+−
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