See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 7, 2026
Homebuyer Programs in Texarkana, TX (2026)
Texarkana straddles the Texas-Arkansas border in Bowie County, offering some of the most affordable housing in Texas with a median home price around $213,000. The City of Texarkana First-Time Homebuyer Assistance Program (HBA) provides up to $20,000 in forgivable loan assistance for down payment and closing costs. State programs like My First Texas Home and Home Sweet Texas Home Loan Program each offer up to 5% of the loan amount in additional assistance. Habitat for Humanity of Texarkana also serves the area with affordable homes priced between $80,000 and $95,000 featuring zero-interest mortgages. By stacking city and state programs, Texarkana buyers can cover a substantial portion of their upfront costs on an already affordable home.
City Programs in Texarkana
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| City of Texarkana First-Time Homebuyer Assistance Program (HBA) | Forgivable Loan | Up to $20,000 | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $20,000
- 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 |
|---|---|---|---|---|
| Habitat for Humanity of Texarkana Homeownership Program | Zero-Interest Loan | Affordable home purchase ($80,000-$95,000 typical) with zero-interest mortgage | No | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home purchase ($80,000-$95,000 typical) with zero-interest mortgage
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. The City of Texarkana HBA requires household income at or below 80% of the area median income and first-time buyer status, meaning you have not owned a home in the past three years.
Step 2: Complete homebuyer education. A HUD-approved homebuyer education course is required for the city program. State programs can be completed online through Texas Homebuyer U.
Step 3: Get pre-approved with a participating lender. Work with a lender who participates in both the city HBA program and state DPA programs to maximize your assistance.
Step 4: Apply for state programs. Ask your lender about My First Texas Home or Home Sweet Texas Home Loan Program for up to 5% of the loan amount in additional down payment assistance.
Step 5: Find a home within Texarkana city limits. The city HBA program requires the home to be located within the city limits of Texarkana, Texas.
Step 6: Submit your full application. Your lender will package the city HBA and mortgage applications together. Contact the City of Texarkana Community Development department for current application details.
Frequently Asked Questions
How much down payment assistance can I get in Texarkana?+−
Do I have to be a first-time homebuyer?+−
What is the maximum home price in Texarkana?+−
What homebuyer education is required?+−
Does Habitat for Humanity serve Texarkana?+−
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