Last reviewed: September 2026 Texas homebuyers don't necessarily need a 20% down payment. Depending on your income, credit profile, county, loan type, occupation, military status and prior homeownership, down payment assistance may reduce the amount of cash you need to purchase a home. Texas is a little different from some states because there isn't just one major statewide program. Two organizations play a significant role in Texas homebuyer assistance: *TDHCA — Texas