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Denton County, Texas

Down Payment Assistance
in Denton, TX

8 programs available — grants, forgivable loans, and zero-down options for Denton homebuyers.

Available Programs in Denton

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
Deferred Loan

Frisco Community Development DPA

Up to $10,000

Down payment assistance for qualified buyers in Frisco. Zero-interest deferred loan repaid at sale or refinance.

Credit 620+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 Denton Homebuyer Assistance

Up to $14,999

Forgivable assistance for down payment and closing costs for buyers in Denton. Forgiven after 5 years of occupancy.

Credit 620+First-Time BuyerIncome Limits Apply

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See What You Qualify For in Denton

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Down payment assistance programs in Denton, TX (Denton 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.