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HBAP Application - City of Irving, Texas - cityofirving 2026

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  1. Click ‘Get Form’ to open the HBAP Application in the editor.
  2. Begin by filling out the 'General Information' section. Ensure all details are accurate as incomplete applications may be denied.
  3. In the 'Applicant Information' section, provide your personal details completely. This includes your name, address, and contact information.
  4. Next, move to 'Household Composition'. List all individuals living in your household and their relationship to you.
  5. Fill out the 'Combined Monthly Income' section. Include all sources of income for each person aged 15 and older in your household.
  6. Complete the 'Declarations' section by circling the appropriate options regarding previous home ownership.
  7. Sign and date the 'Applicant’s Certification' to confirm that all information provided is true and complete.
  8. Finally, authorize the release of information by signing in the designated area at the end of the application.

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TDHCA offers first-time home buyers in Texas a 30-year fixed-rate mortgage loan with a below-market interest rate. FHA, VA, and USDA loans are all eligible through this program. You may also qualify for down payment and closing cost assistance of up to 5% of the loan amount.
Low- and moderate-income families who are eligible for first-time home buyer assistance can receive up to $7,500 to assist with up to half of the down payment and eligible closing cost towards the purchase their new home.
Before You Go Further The quiz will let you know if you meet the program requirements and the types of assistance you qualify for. To qualify, you must have a credit score of 620 and meet certain income requirements.
A first-time homebuyer is someone who either hasnt owned a home or hasnt in the past three years and doesnt factor in generational homeownership.
The Texas Homebuyer Program is available statewide to any profession or individual/​family who meet the program guidelines. Income limits are set at up to 115% of the area median family income (AMFI) and vary based on the county the home is purchased in.

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Texas first-time homebuyer qualifications In general, you need to fall into the low- to moderate-income category and have a credit score of at least 620 to qualify. According to Experian, the average credit score of Texas was 695 as of 2024, so many residents should be able to easily qualify.
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