See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 6, 2026
Homebuyer Programs in Spring, TX (2026)
Spring is an unincorporated census-designated place in northern Harris County within the Greater Houston metro, with a median home price around $318,000. As an unincorporated community, Spring residents are eligible for the Harris County Down Payment Assistance Program, which provides up to $23,800 as a forgivable loan covering down payment, closing costs, and even a home warranty. State programs from TSAHC and TDHCA add additional grants of up to 5% of the loan amount. Because Spring falls outside Houston city limits, the county program is the primary local option, and buyers can layer it with state assistance to significantly reduce out-of-pocket costs.
County Programs in Harris County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Harris County Down Payment Assistance Program (DAP) | Forgivable Loan | Up to $23,800 | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $23,800
- First-time only:
- Yes
State Programs in Texas
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Home Sweet Texas Home Loan Program | Grant | Up to 5% of the total loan amount | 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:
- Up to 5% of the total loan amount
- 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 |
|---|---|---|---|---|
| Houston Habitat for Humanity Homeownership Program | Zero-Interest Loan | Varies based on home cost and family need | Yes | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Varies based on home cost and family need
- First-time only:
- Yes
How to Apply
Step 1: Check your eligibility. The Harris County DAP requires household income at or below 80% of the Area Median Income, a credit score of at least 580, first-time homebuyer status, and a debt-to-income ratio under 42%.
Step 2: Complete homebuyer education. Avenue CDC at (713) 864-8099 and the Houston Area Urban League both offer HUD-approved homebuyer education classes in English and Spanish.
Step 3: Contact Harris County Community Services Department to apply for the Down Payment Assistance Program offering up to $23,800 in forgivable assistance.
Step 4: Get pre-approved for a mortgage through a TSAHC or TDHCA participating lender to layer state-level down payment grants on top of the county program.
Step 5: Find a home in unincorporated Harris County (Spring qualifies) within the purchase price limits of $200,000 for existing homes or $228,000 for new construction.
Step 6: Submit your application and work with your lender to close on your new home. The Harris County DAP loan is fully forgiven after 5 years of residence.