See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 7, 2026
Homebuyer Programs in Seguin, TX (2026)
Seguin is the county seat of Guadalupe County, located about 35 miles east of San Antonio along Interstate 10, with a median home price around $280,000. While Guadalupe County does not offer a broad county-funded DPA program, the City of Seguin does offer a Homebuyer Residency Incentive Program providing down payment and closing cost assistance as a forgivable loan to qualifying city employees who purchase a home within city limits. For all buyers, Texas state programs like the TSAHC Home Sweet Texas Home Loan Program and Homes for Texas Heroes offer up to 5% of the mortgage amount in DPA, potentially over $14,000 on a median-priced Seguin home. Guadalupe Valley Habitat for Humanity also serves the area with affordable homeownership for families earning 30-60% of area median income. By combining state and nonprofit programs, Seguin buyers can meaningfully 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 |
|---|---|---|---|---|
| Guadalupe Valley Habitat for Humanity Homeownership Program | Zero-Interest Loan | Affordable home purchase with zero-interest mortgage sold at no profit | No | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home purchase with zero-interest mortgage sold at no profit
- 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 household income within program limits for Guadalupe County. If you are a City of Seguin employee, ask about the Homebuyer Residency Incentive Program.
Step 2: Complete homebuyer education. A HUD-approved homebuyer education course is required for most assistance programs. Contact a HUD-approved counseling agency by calling 800-569-4287 to find a course near you or online.
Step 3: Contact a TSAHC-approved lender. To access the Home Sweet Texas or Homes for Texas Heroes programs, you must work with a lender in the TSAHC network. They can walk you through income limits and assistance amounts for Guadalupe County.
Step 4: Explore Habitat for Humanity. If your household income falls between 30% and 60% of area median income, contact Guadalupe Valley Habitat for Humanity at 830-401-0422. Applicants must have resided or worked in Guadalupe County for at least six months and complete 200 hours of sweat equity.
Step 5: Get pre-approved for a mortgage. Work with a lender familiar with DPA programs to determine your maximum purchase price and the programs you qualify for.
Step 6: Find a home and close. Once you have an accepted offer, your lender will coordinate any DPA funds to be applied at closing.
Frequently Asked Questions
How much down payment assistance can I get in Seguin?+−
Do I have to be a first-time homebuyer to qualify?+−
What is the City of Seguin Homebuyer Residency Incentive Program?+−
What homebuyer education is required?+−
How does Guadalupe Valley Habitat for Humanity work?+−
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