Homeownership Across Texas (HAT) Buyer Program

The Homeownership Across Texas (HAT) Program provides Grants to help qualified homebuyers reduce the expenses they pay upfront to purchase a home. This program is not a loan and does not have to be paid back, nor are there any additional closing costs associated. HAT Grants range from 1% to 5% of the amount of the homebuyer’s mortgage loan, and can be applied toward the required down payment and/or closing costs.

Homeownership Across Texas Grant Program Requirements

• Credit Score must be 620 or Higher.
• Annual Income must be below certain limits depending on the county where the home being purchased is located.
• Must complete eligible home buyer education course.
• Must be approved for 30-year term FHA, VA, USDA, or Conventional mortgage loan by a participating HAT Lender.
• The purchase price may not exceed certain limits depending on the county where the home being purchased is located.
• the home must be located in Texas; However, some areas are not participating including Travis County, El Paso, Grand Prairie, and McKinney.
• You do NOT have to be a First-time homebuyer.

If you would like additional information about this home buying program or available homes, fill out the contact form.