Downpayment Assistance

The Harris County Downpayment Assistance Program (HCDAP) will be administered by the Harris County Community Services Department (CSD). This program will work with participating lenders in the delivery of downpayment assistance to eligible homebuyers in Harris County. The primary goal of this program is to increase the homeownership rate in Harris County while meeting the requirements set by the CDBG-DR National Objectives associated with the HCDAP.

Qualified applicants may be eligible to receive financial assistance in the form of a forgivable loan to be used toward a downpayment on a new or existing home, including eligible prepaids and/or closing costs. Assistance amount will be limited to the amount necessary to achieve homeownership. Assistance will be provided in the form of a deferred forgivable loan, secured by a deed of trust with a five (5) year affordability period.

Funding for this program is made available through the Department of Housing and Urban Development’s (HUD) Community Development Block Grant Disaster Recovery (CDBG-DR) funds.

Program Guidelines

  • To see Guidelines, click here.
  • To see Archived Guidelines, click here.