See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 6, 2026
Homebuyer Programs in Round Rock, TX (2026)
Round Rock is a fast-growing city in Williamson County just north of Austin, with a median home price around $390,000. While Round Rock does not currently offer a city-funded down payment assistance program, buyers here can take advantage of several Texas state programs. The TDHCA My First Texas Home Program and TSAHC Homes Sweet Texas Program both provide down payment assistance of up to 5% of the loan amount as a grant or forgivable second lien loan. The Homes for Texas Heroes Program offers similar assistance specifically for teachers, first responders, and veterans. Habitat for Humanity of Williamson County also builds and sells homes with zero-interest mortgages for qualifying low-income families. By combining state and federal programs, Round Rock buyers can access significant assistance to 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 Williamson County 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. Texas state DPA programs generally require a minimum credit score of 620 and income at or below program limits, which vary by county and household size. For Williamson County, check current income limits on the TDHCA and TSAHC websites.
Step 2: Complete homebuyer education. Most Texas DPA programs require a HUD-approved homebuyer education course. Frameworks Community Development Corporation serves Williamson County and offers HUD-approved pre-purchase homebuyer education. Contact them at 512-385-1500 or visit their website to schedule a class.
Step 3: Connect with a participating lender. TDHCA and TSAHC programs work through a network of approved lenders. Ask your lender which state programs you qualify for and whether you can stack multiple forms of assistance.
Step 4: Explore the Homes for Texas Heroes Program. If you are a teacher, first responder, corrections officer, or veteran, you may qualify for additional down payment assistance through this TSAHC program.
Step 5: Get pre-approved for a mortgage. Work with your lender to determine your maximum purchase price and confirm which programs you qualify for based on Williamson County limits.
Step 6: Find a home within program purchase price limits. State programs have maximum purchase prices that vary by county. Your lender can confirm the current limits for the Round Rock area.
Step 7: Submit your application and close on your home. Your lender will coordinate any grant or forgivable loan funds, which are typically applied at closing.
Frequently Asked Questions
How much down payment assistance can I get in Round Rock?+−
Do I have to be a first-time homebuyer to qualify?+−
What is the maximum home price I can purchase with DPA?+−
What homebuyer education is required?+−
Are there programs for teachers and first responders in Round Rock?+−
What other housing programs are available in the Round Rock area?+−
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