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Homeownership Across Texas

Texas

Available Assistance

The Southeast Texas Housing Finance Corporation (SETH) recognizes that though many potential homebuyers can afford the monthly mortgage payments on a new house, they don’t have enough money saved up for the down payment. That’s why SETH initiated the Homeownership Across Texas (HAT) Program, which provides eligible homebuyers with down payment and closing cost assistance in the form of a grant.The purpose of this program is to make funds available to eligible applicants who are interested in purchasing a home but need financial help to pay the upfront costs, which include the down payment, as well as the closing costs and prepaid items required to obtain homeownership. These expenses can add up to a substantial amount, and the inability to pay it might keep people stuck in a renters trap.

Eligibility Requirements

Borrowers must fall within established income limits which vary by county.All borrowers must qualify for a mortgage loan provided by a participating program lender. FHA, VA, USDA or conventional mortgages are all acceptable, as long as it has a fixed interest rate; adjustable rate mortgages are not eligible under the HAT Program.

Property Guidelines

The home being purchased must be located in Texas and outside the city limits of El Paso, Grand Prairie, and McKinney, as well as Travis County.Though there is no first-time homebuyer requirement, the home being purchased must serve as the applicant’s primary residence; no second homes or investment properties are eligible under the program.

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