For many Texans, the dream of homeownership can feel just out of reach—especially when it comes to saving for a down payment or covering upfront costs. That’s where homebuyer assistance programs come in.

In 2025, there are still several state and local programs designed to help first-time buyers and low-to-moderate income families make that dream a reality. These programs may offer down payment assistance, closing cost help, or even grants that don’t require repayment. However, many of these opportunities are becoming harder to find.

Why? Because recent federal and state budget changes are impacting the availability of housing assistance programs across the country—including in Texas. As funding gets tightened, some well-known grants and support options are being reduced or phased out entirely.

That’s why it’s more important than ever to work with a knowledgeable mortgage professional who understands the evolving landscape. A good lender won’t just quote you a rate—they’ll do a deep dive into what’s available for your specific situation, including any grants or assistance programs you may qualify for.

Whether you’re buying your first home, returning to the market after renting, or simply exploring your options, don’t leave potential assistance on the table. There may still be a program that fits your needs—it just takes the right team to find it.