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Dallas County, Texas

Down Payment Assistance
in Carrollton, TX

11 programs available — grants, forgivable loans, and zero-down options for Carrollton homebuyers.

Available Programs in Carrollton

Deferred Loan

TDHCA My First Texas Home

Up to 5% of loan amount

State-backed down payment and closing cost assistance for first-time homebuyers across Texas. Paired with a 30-year fixed-rate mortgage at competitive rates.

Credit 620+First-Time BuyerIncome Limits Apply
Deferred Loan

TDHCA Texas Homebuyer Program (Bond)

Up to 5% of loan amount

Below-market interest rate mortgage with optional DPA for low-to-moderate income buyers. Available statewide including all DFW counties.

Credit 620+Income Limits Apply
Forgivable Loan

City of Dallas Homebuyer Assistance Program

Up to $60,000

Forgivable loan for down payment and closing costs for low-to-moderate income buyers purchasing within Dallas city limits. Loan is forgiven after 5 years.

Credit 580+First-Time BuyerIncome Limits Apply
Grant

North Texas Housing & Mortgage Program

Up to 3.5% of purchase price

Grant-based down payment assistance available across the DFW Metroplex. No repayment required. Paired with FHA, VA, or USDA loans.

Credit 640+Income Limits Apply
Forgivable Loan

Community Housing Finance Authority DPA

Up to $10,000

Forgivable down payment assistance for buyers in eligible DFW communities. Forgiven after 3 years of primary occupancy.

Credit 620+Income Limits Apply
Grant

Teacher Next Door / Public Servant Program

Up to $8,000 grant + additional DPA

Grants and down payment assistance for teachers, nurses, law enforcement, firefighters, and other public servants buying anywhere in DFW.

Credit 580+
Grant

VA Home Loan (Zero Down)

$0 down payment

VA-backed home loans require no down payment and no PMI for eligible veterans, active-duty service members, and surviving spouses.

Credit 580+
Forgivable Loan

City of Grand Prairie Homebuyer Program

Up to $10,000

Down payment and closing cost assistance for income-qualified buyers purchasing within Grand Prairie city limits.

Credit 620+First-Time BuyerIncome Limits Apply
Deferred Loan

City of Irving Homebuyer Assistance

Up to $14,999

Deferred zero-interest loan for down payment and closing costs for buyers in Irving. Repaid at sale or refinance.

Credit 620+First-Time BuyerIncome Limits Apply
Forgivable Loan

City of Garland Housing Assistance

Up to $7,500

Forgivable down payment assistance for income-qualified buyers within Garland city limits. Forgiven after 5 years.

Credit 620+First-Time BuyerIncome Limits Apply
Deferred Loan

City of Mesquite Homebuyer Program

Up to $10,000

Zero-interest deferred loan for down payment assistance in Mesquite. No payments until sale or refinance.

Credit 620+First-Time BuyerIncome Limits Apply

Free Consultation

See What You Qualify For in Carrollton

No obligation. Your information is kept private.

Down payment assistance programs in Carrollton, TX (Dallas County) — information current as of 2026. Program availability, income limits, and amounts subject to change. Contact Denise Abrams for the most up-to-date eligibility requirements. Denise Abrams — License #613383-B · NB Elite Realty — Broker License #592599-BB · Equal Housing Opportunity.