Collin County, Texas
Down Payment Assistance
in McKinney, TX
9 programs available — grants, forgivable loans, and zero-down options for McKinney homebuyers.
Available Programs in McKinney
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.
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.
City of Plano Homebuyer Assistance
Up to $10,000
Deferred, zero-interest loan for down payment assistance for income-qualified buyers in Plano. Repaid only upon sale or refinance.
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.
Collin County HUD Housing Assistance
Up to $10,000
Down payment assistance for income-qualified buyers throughout Collin County including McKinney, Allen, Wylie, and surrounding cities.
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.
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.
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.
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.
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See What You Qualify For in McKinney
Down payment assistance programs in McKinney, TX (Collin 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.