See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 7, 2026
Homebuyer Programs in Rosenberg, TX (2026)
Rosenberg is a rapidly growing city in Fort Bend County, southwest of Houston, offering affordable housing in one of Texas's fastest-developing counties. With a median home price around $295,000, Rosenberg provides excellent value compared to other Houston-area communities. The Fort Bend County Housing Finance Corporation offers a Down Payment Assistance Program providing $5,000 to eligible buyers purchasing in Fort Bend County, administered through Covenant Capital. Texas state programs like the SETH 5 Star Texas Advantage Program and TDHCA My First Texas Home each offer up to 5% of the loan amount in additional assistance. Fort Bend Habitat for Humanity also serves the Rosenberg area with affordable homeownership programs. By combining county and state programs, Rosenberg buyers could access over $15,000 in total assistance.
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 → |
- 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 → |
- 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 |
|---|---|---|---|---|
| Fort Bend Habitat for Humanity Homeownership Program | Zero-Interest Loan | Affordable home purchase at no profit with zero-interest mortgage | No | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home purchase at no profit with zero-interest mortgage
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. The Fort Bend County HFC DPA program is available to households making 120% or less of the area median income. State programs through TDHCA generally require a credit score of 620 or higher.
Step 2: Complete homebuyer education. HUD-approved homebuyer education is required for most programs. The SETH 5 Star program offers a free online course for qualifying applicants.
Step 3: Contact Covenant Capital about the Fort Bend County DPA. This program provides $5,000 toward a down payment for qualifying first-time homebuyers. Have your lender contact Sonia Aldrett at 713-383-7273 or Sonia@CovenantCapital.org to begin the process.
Step 4: Explore nonprofit homeownership options. Fort Bend Habitat for Humanity builds affordable homes in Fort Bend County and offers homeownership programs for qualifying families.
Step 5: Get pre-approved for a mortgage. Work with a lender participating in the TDHCA or SETH programs to access state-level down payment assistance alongside your county benefits.
Step 6: Find a home and submit your application. Ensure the property is within Fort Bend County and meets program requirements. Your lender and Covenant Capital will coordinate assistance funds at closing.
Frequently Asked Questions
How much down payment assistance can I get in Rosenberg?+−
Do I have to be a first-time homebuyer to qualify?+−
What are the income limits?+−
What credit score do I need?+−
What homebuyer education is required?+−
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