Tyler Down Payment Assistance
Discover how Tyler-area home buyers can receive up to 5% in down payment and closing cost assistance through Texas state programs.
Population
107,192
Median Home Price
$250,000
Median Income
$52,347
DPA Available
Up to 5%
Down Payment Assistance in Tyler, Texas
Tyler serves as the healthcare and commercial hub of East Texas, known for its rose gardens and strong sense of community. With a median home price around $250,000, Tyler offers affordable housing with excellent medical facilities.
Smith County income limits make DPA accessible to most Tyler households. The city's healthcare employment base provides stable jobs that qualify well for TDHCA and TSAHC programs.
UT Health East Texas and CHRISTUS Trinity Mother Frances make Tyler a regional medical center, drawing patients and healthcare workers from across East Texas. UT Tyler brings higher education jobs, and Trane Technologies provides manufacturing employment.
South Tyler has seen significant residential development with new master-planned communities. The historic Azalea District offers charming older homes near downtown. Whitehouse and Lindale provide suburban options with excellent schools in Tyler ISD and Lindale ISD.
DPA Program Note
Affordable East Texas market. Healthcare employment provides stable buyer base for DPA programs.
Why Tyler for Homeownership?
Key factors that make Tyler an excellent market for buyers using down payment assistance.
Healthcare hub of East Texas
Rose capital of America
Affordable living
Strong community feel
Major Employers in Tyler
Tyler's diverse economy provides stable employment for home buyers qualifying for DPA programs.
Popular Tyler-Area Communities
Explore neighborhoods and suburbs in the Tyler metro where DPA programs can help you buy a home.
DPA Eligibility in Tyler
Most Tyler-area buyers who meet the following criteria can qualify for Texas down payment assistance programs.
- Household income within Smith 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 Smith 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 Tyler 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?
Tyler DPA FAQs
How much down payment assistance can I get in Tyler?
Home buyers in Tyler can receive up to 5% of the loan amount in down payment assistance through TDHCA and TSAHC programs. On a $250,000 home, that's up to $12,500 in assistance.
What are the income limits for DPA in Smith County?
Income limits vary by program and household size. Smith County limits are based on the Tyler 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 Tyler?
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 Tyler.
Check Your Eligibility in Tyler
Take our free 60-second quiz to see which Texas DPA programs you may qualify for in the Tyler area. No credit check required, no obligation.
Cook Brothers Mortgage Team at Cornerstone First Mortgage | NMLS #173855