Garland Down Payment Assistance
Discover how Garland-area home buyers can receive up to 5% in down payment and closing cost assistance through Texas state programs.
Population
244,669
Median Home Price
$275,000
Median Income
$57,847
DPA Available
Up to 5%
Down Payment Assistance in Garland, Texas
Garland offers some of the most affordable housing in the Dallas metro while providing excellent access to downtown Dallas via DART light rail. With a median home price around $275,000, Garland is an ideal market for first-time homebuyers using down payment assistance programs.
Dallas County income limits make Garland accessible to a wide range of buyers. The TDHCA My First Texas Home program is especially popular in Garland, where many young families are purchasing their first homes with DPA assistance.
While historically known as a manufacturing center, Garland has diversified its economy with healthcare, education, and technology employment. The Firewheel Town Center has brought retail and dining options, and new housing developments have attracted families from across the metroplex.
The Firewheel area in North Garland offers newer construction and excellent schools. Southern Garland provides the most affordable entry points, with older homes that have been well-maintained. Lake Ray Hubbard on Garland's eastern border offers waterfront recreation and more expensive lakefront properties.
DPA Program Note
One of the best DPA markets in DFW. Most homes fall within all program price limits.
Why Garland for Homeownership?
Key factors that make Garland an excellent market for buyers using down payment assistance.
Affordable Dallas suburb
DART light rail access
Diverse community
Lake Ray Hubbard access
Major Employers in Garland
Garland's diverse economy provides stable employment for home buyers qualifying for DPA programs.
Popular Garland-Area Communities
Explore neighborhoods and suburbs in the Garland metro where DPA programs can help you buy a home.
DPA Eligibility in Garland
Most Garland-area buyers who meet the following criteria can qualify for Texas down payment assistance programs.
- Household income within Dallas 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 Dallas 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 Garland 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?
Garland DPA FAQs
How much down payment assistance can I get in Garland?
Home buyers in Garland can receive up to 5% of the loan amount in down payment assistance through TDHCA and TSAHC programs. On a $275,000 home, that's up to $13,750 in assistance.
What are the income limits for DPA in Dallas County?
Income limits vary by program and household size. Dallas County limits are based on the Dallas-Fort Worth-Arlington 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 Garland?
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 Garland.
Check Your Eligibility in Garland
Take our free 60-second quiz to see which Texas DPA programs you may qualify for in the Garland area. No credit check required, no obligation.
Cook Brothers Mortgage Team at Cornerstone First Mortgage | NMLS #173855