Housing and Community Development

Houston Homebuyer Assistance


The City of Houston (City) Housing and Community Development Department (HCDD) has designed the Houston Homebuyer Assistance (HHA) to provide financial assistance to low to moderate income homebuyers in the incorporated area of the City.


  • HCDD staff will administer the HHA according to the policy and procedures set forth in the administrative guidelines.
  • Funding for HHA will be available through the HOME Investment Partnerships (HOME) Program, the Community Development Block Grant (CDBG) Program, the American Dream Downpayment Initiative (ADDI) and Tax Increment Reinvestment Zone (TIRZ).
  • HHA will provide direct financial assistance to offset portions of the downpayment, closing costs, prepaid items and principal required for home purchase.


Eligibility Requirements

Please read the information below to help you determine if you are a qualified applicant for the program:

  • The applicant must demonstrate the ability to obtain a mortgage loan (financial, credit worthiness, etc.)

  • The family’s combined income must be at or below 80% of the area median income.

  • All applicants must complete at least an eight-hour, in-person homebuyer education class from a HUD Approved Homebuyer Counseling Agency prior to their application being submitted to HAP. It is the responsibility of the applicant to pay all costs to enroll in a homebuyer education course. A complete list of HUD Approved Homebuyer Counseling Agency can be obtained through HUD’s web site at http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm.

  • The sales price for the property cannot exceed the HUD-approved income limits in effect at the time of the assistance.

  • The property must be located in the taxing jurisdiction of the City of Houston.

  • The applicant must purchase a new or existing home. The following structures are approved for

    • HHA:
      • Single-family property (detached and attached 1-4 units)
      • Condominium unit/Townhouse
      • Modular home/Manufactured home
      • Cooperative unit

  • HCDD Inspection Services Section is required to conduct an independent physical inspection on the property. Despite HCDD’s inspector completing a physical inspection of the property, it is highly encouraged that the potential homebuyer gets his/her own Texas Real Estate Commission inspection.

  • The applicant must invest at least $500 into the home buying transaction (i.e. earnest money, appraisal, etc.)

  • The applicant must live in the home for 10 years for assistance to be forgiven.


Applicant(s) combined gross annual household income must be at or below the amounts listed in the Household Income Limits to qualify for HAP funds. The amount of the assistance is up to $19,500 for all families whose income is at 80% or below the area median income.



2014 Household Income Limits
Family Size
80% of the Area
Median Income



For further information on HAP, please call 713.522.HOME (4663).