Housing and Community Development Department

Workforce Housing Downpayment Assistance Program

The City of Houston (City) Housing and Community Development Department (HCDD) created the Workforce Housing Downpayment Assistance Program (WHDAP) in October 2007 to expand the supply of decent, safe, sanitary, and affordable housing and to increase homeownership opportunities for income-eligible residents within specific neighborhoods within the jurisdictional boundaries of the City as designated by the Mayor. HCDD administers WHDAP in accordance with the policy and procedures set forth in the administrative guidelines.

Funding for WHDAP is made available through the City’s Tax Increment Reinvestment Zones (TIRZ). WHDAP provides direct financial assistance at the closing to pay a portion of the required downpayment, closing cost, and other approved settlement charges.

Eligibility Requirements

Please read the information below to help you determine if you meet the basic program eligibility requirements:

  • Applicants must demonstrate the ability to obtain and sustain a mortgage loan (financial, credit worthiness, etc.).
  • Applicants combined family income cannot exceed 110% of the area median income. Please see Household Income Chart below.
  • All applicants must complete at least an eight-hour, in-person homebuyer education class from a HUD-Approved Homebuyer Counseling Agency. 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.
  • Applicants must invest at least $1,000.00 into the home buying transaction (i.e. earnest money, appraisal, etc.)
  • The property must be located within a designated revitalization area as determined by the Mayor within the taxing jurisdiction of the City of Houston.
  • The applicant must purchase a newly constructed residential property. New construction is defined as a property that is proposed, under construction, or has been completed less than a year according to the Certificate of Compliance.
  • Applicants must agree to live in the home as a primary residency for 5-15 years.
  • Applicant(s) combined gross annual household income must be at or below the amounts listed in the Household Income Limits to qualify for WHDAP funds. The amount of the assistance is determined on the merits of approved applicants needs for all families whose income is up to 110% of the area median income.
2015 Household Income Limits
Family Size
110% of the Area Medium Income (AMI)

For further information on WHDAP, please call 832.394.6200.