For many years, I've worked with several cities in the Dallas Fort Worth area to provide down payment assistance through block grant programs for first-time homebuyers (or anyone else who has not owned a house in the last 3 years.)
Here is information you need know about the different city programs currently available in the market (Call me if you don't see the city you're wanting to purchase a house from):
McKinney: Must purchase house under $130,000. McKinney will pay 1/2 of your down payment and all of your closing cost up to $7,500.
Grand Prairie: Must purchase house under $160,000. $5,000 grant will be given without any repayment terms.
Plano: Must purchase house under $140,000. Plano will also pay 1/2 of your down payment and most of your closing cost or NSP program for purchasing a foreclosure home.
Lewisville: Up to $7,500 will be given to the first time homebuyer. Lewisville will pay 1/2 of your down payment and most of your closing cost. They are great to work with. The City of Lewisville will even offer improvement dollars after your house is purchased.
Irving: $10,000 grant will be given to first time homebuyers.
Frisco: Applicant must work within the city limits or be an employee of the city (i.e. police, fire fighter, teacher, or city administration employee.)
Garland: up to $10,000 for first time buyer.
Other cities with grants available: Arlington, Fort Worth
Other cities in Collin County may qualify for the USDA Rural program, which offers 100% financing and allows the seller to pay up to 6% of closing cost. Essentially, you will have to pay very little up-front money. USDA Rural program is one of the best programs available. YOU PAY NO MONTHLY PMI WITH 100% FINANCING.
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