College Station Down Payment Assistance
Discover how College Station-area home buyers can receive up to 5% in down payment and closing cost assistance through Texas state programs.
Population
120,511
Median Home Price
$290,000
Median Income
$48,432
DPA Available
Up to 5%
Down Payment Assistance in College Station, Texas
College Station is defined by Texas A&M University, one of the nation's largest universities. With a median home price around $290,000, College Station offers housing options for Aggies transitioning from renting to ownership.
Brazos County income limits are accessible, and the city's moderate pricing means many homes fall within DPA limits. The university's massive alumni network means strong community support for first-time buyers, including many using TDHCA programs.
Texas A&M employs thousands directly and attracts research contractors, tech startups, and supporting businesses. The university's continued growth drives housing demand. Baylor Scott & White has expanded healthcare services to serve the growing population.
Pebble Creek and Castlegate offer established master-planned communities. Southwood Valley provides affordable homes popular with young families and university staff. The student rental market is separate from the ownership market, which targets permanent residents and university employees.
DPA Program Note
University-driven market with young buyer demographics. Strong fit for Aggie graduates buying first homes.
Why College Station for Homeownership?
Key factors that make College Station an excellent market for buyers using down payment assistance.
Texas A&M University
Strong Aggie community
Growing research corridor
Young population
Major Employers in College Station
College Station's diverse economy provides stable employment for home buyers qualifying for DPA programs.
Popular College Station-Area Communities
Explore neighborhoods and suburbs in the College Station metro where DPA programs can help you buy a home.
DPA Eligibility in College Station
Most College Station-area buyers who meet the following criteria can qualify for Texas down payment assistance programs.
- Household income within Brazos County limits (varies by program and family size)
- Minimum credit score of 620 (some programs may allow lower with compensating factors)
- Purchasing a primary residence in the state of Texas
- Completing a HUD-approved homebuyer education course (available online)
- Working with a TDHCA- or TSAHC-approved lender like Cornerstone First Mortgage
- Meeting the purchase price limits for Brazos County (currently up to $472,030 standard or $546,250 in high-cost areas)
Eligibility requirements vary by program. Contact the Cook Brothers Mortgage Team for a personalized eligibility assessment based on your specific financial situation and the College Station area where you plan to buy.
Check Your Eligibility
Answer a few quick questions to see if you qualify
Have you owned a home in the last 3 years?
College Station DPA FAQs
How much down payment assistance can I get in College Station?
Home buyers in College Station can receive up to 5% of the loan amount in down payment assistance through TDHCA and TSAHC programs. On a $290,000 home, that's up to $14,500 in assistance.
What are the income limits for DPA in Brazos County?
Income limits vary by program and household size. Brazos County limits are based on the College Station-Bryan Area Median Income (AMI). Generally, households earning up to 115% of AMI can qualify. Use our calculator or contact us for current limits.
Do I have to be a first-time buyer to use DPA in College Station?
No! While the TDHCA My First Texas Home program is for first-time buyers, the My Choice Texas Home program and some TSAHC options are available to repeat buyers. If you've owned a home before, you may still qualify for assistance in College Station.
Check Your Eligibility in College Station
Take our free 60-second quiz to see which Texas DPA programs you may qualify for in the College Station area. No credit check required, no obligation.
Cook Brothers Mortgage Team at Cornerstone First Mortgage | NMLS #173855