See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 6, 2026
Homebuyer Programs in Victoria, TX (2026)
Victoria is the county seat of Victoria County in the Texas Coastal Bend region with a median home price around $212,000, making it one of the more affordable Texas markets. The City of Victoria offers a Down Payment and Closing Cost Assistance Program providing up to $10,000 as a grant that does not require repayment. The city also runs the Lot-To-Home infill program offering deferred forgivable loans for new home construction on vacant lots. Golden Crescent Habitat for Humanity has built homes for over 400 families locally since 1994. Combined with TSAHC and TDHCA state programs, Victoria buyers can stack substantial assistance to make homeownership very accessible.
City Programs in Victoria
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| City of Victoria Down Payment and Closing Cost Assistance Program | Grant | Up to $10,000 ($5,000 down payment + $5,000 closing costs) | Yes | View → |
| City of Victoria Lot-To-Home Infill Program | Forgivable Loan | Seven-year deferred forgivable loan for lot cost | Yes | View → |
- Type:
- Grant
- Amount:
- Up to $10,000 ($5,000 down payment + $5,000 closing costs)
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Seven-year deferred forgivable loan for lot cost
- 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 |
|---|---|---|---|---|
| Golden Crescent Habitat for Humanity Homeownership Program | Zero-Interest Loan | Affordable home purchase with below-market mortgage | Yes | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home purchase with below-market mortgage
- First-time only:
- Yes
How to Apply
Step 1: Check your eligibility. The City of Victoria DPA program requires household income at or below 80% of the Area Median Family Income, first-time homebuyer status, and a monthly mortgage payment below 33% of household income or a debt-to-income ratio under 45%.
Step 2: Complete homebuyer education. A HUD-approved homebuyer education course is required. Contact the City of Victoria Community Development Department at (361) 485-3375 for local course options.
Step 3: Contact Zachary Wendel at the City of Victoria Community Development Department at (361) 485-3375 or zwendel@victoriatx.gov to apply for the Down Payment and Closing Cost Assistance Program offering up to $10,000 as a grant.
Step 4: If interested in new construction, ask about the Lot-To-Home infill program which provides a seven-year deferred forgivable loan for lot costs plus additional down payment assistance.
Step 5: Get pre-approved for a mortgage from a private financial institution. Also explore TSAHC and TDHCA participating lenders for state-level down payment grants.
Step 6: Find an existing home within Victoria city limits (required for the city program) and submit your application.
Frequently Asked Questions
How much down payment assistance can I get in Victoria?+−
Do I have to be a first-time homebuyer to qualify?+−
What is the maximum home price I can purchase?+−
What homebuyer education is required?+−
What is the Lot-To-Home program?+−
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