Housing and Community Development Department

Homebuyer Assistance Program

Houston’s Housing and Community Development Department (HCDD) administers the City’s Homebuyer Assistance Program (HAP) for eligible low- to moderate-income families. Funds may be used to assist an approved applicant in paying a portion of downpayment and closing costs.

Please click on one of the program links below to find more detailed information about each option.

 
Combined family income (from all adult household members) must be at or below:
80% of the Area Median Income (AMI) Chart [ A ]
110% of the Area Median Income (AMI) Chart [ B ]
Homebuyer Education/Housing Counseling from a HUD-approved Housing Counseling Agency (listed at www.hud.gov) is required:
Yes
Yes
The minimum investment required from homebuyer is $1,000 (i.e. earnest money, appraisal, etc.):
Yes
Yes
A minimum affordability period is required (See chart below):
Yes
Yes
The property must be located in the City of Houston property tax area:
Yes
Yes

 

2016 Household Income Limits
Family Size
80% of the Area Median Income
(AMI) - Chart [ A ]
Family Size
110% of the Area Median Income
(AMI)
- Chart [ B ]
1
$38,750
1
$53,400
2
$44,300
2
$61,100
3
$49,850
3
$68,700
4
$55,350
4
$76,200
5
$59,800
5
$82,300
6
$64,250
6
$88,500
7
$68,650
7
$94,600
8
$73,100
8
$100,700

 

Affordability Period Established By HUD

Amount of HAP Funds Received:

Homebuyer Minimum Affordability Period:

under $15,000

5 years

$15,000 to $40,000

10 years

over $40,000

15 years

*    Limited funds available
**  Contact us for sales price information
Program is subject to change without notice. Additional requirements may be applicable. Call 832.394.6200 to verify current requirements and availability of funds. The application process is open to the public, and assistance is provided on need and first-come, first-serve basis.

LINKS TO ADDITIONAL RESOURCES

If you have any further questions regarding the program, please contact 832.394.6200.

Notice to Realtors, Lenders and Builders

If you are a Realtor, Lender and/or Builder and would like more information about this program, please visit the Stakeholder Connection page.

As a licensed State of Texas Residential Loan Originator authorized to conduct business in the Houston area, do you know that the City of Houston administers a Homebuyer Assistance Program (HAP)? To learn more about this program and how it can assist your clients, check the HAP Stakeholder Connection page for upcoming workshop presentations.