The Community Services Department Down payment Assistance Program (DAP) can financially help you purchase your dream house in Harris County, if you are income eligible and a first-time home buyer. The program offers up to 14,200 for new construction, $9,500 for resale properties, Less than 10 years old. You must live in the house for five (5) years, which is the affordability period
Harris County Down payment Assistance Program (DAP) Guidelines:

  • Maximum purchase price of homes not to exceed FHA 203(b) limits in Harris County
  • The home you buy must be in an unincorporated area of Harris County, which includes multiple zip codes and service areas, and cannot be located in the City of Houston, Baytown, or Pasadena, since these cities have their own programs
  • To begin the DAP process, all applicants must take a home buyer certificate program from a HUD approved home buyer education course provider.
  • To participate in this program, you must live in the new house or the pre-owned house for a minimum of five years, depending on the amount of the award
  • Buyer must have at least $350 or 1/2 of lenders down payment, as required toward the purchase price to invest in the house
  • Buyer cannot have more than $10,000 in liquid assets, such as stocks, cash, or bonds
  • Buyer must have at least one credit score of 620
  • Buyer’s debt to income ratio (DTI) cannot exceed 42%
  • Buyer must be credit and program approved through an approved mortgage lender and Harris County to receive down payment assistance
  • In order to qualify for down payment assistance, you must be a first time home buyer, or not have owned a house for three years prior to applying for assistance, and be income qualified by the chart below:

Every member of the household must be a U.S. citizen or Permanent Resident Alien
As of may 2010 the total family gross income can not exceed the following

  • 1 person – $36,500
  • 2 People – $41,700
  • 3 People – $46,900
  • 4 People – $52,100
  • 5 People – $56,300
  • 6 People – $60,400
  • 7 People – $64,650
  • 8 People – $68,800

For more information on how the program works and eligibility areas call me at 832-576-4902
Learn more at

Recommended Posts

Leave a Comment