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Dallas County, Texas

Down Payment Assistance
in Cedar Hill, TX

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

Available Programs in Cedar Hill

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 Cedar Hill

No obligation. Your information is kept private.

Down payment assistance programs in Cedar Hill, 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.