Texas Down Payment Assistance for New Braunfels Homebuyers

Learn how down-payment assistance grants and second mortgages work, who qualifies, and how to compare help against rate and resale limits.

Collin Jorden, Mortgage Loan Advisor

Jorden Mortgage Solutions - Powered by EDGE Home Finance

Phone: (830) 481-1249

Email: [email protected]

NMLS# 2103826

Company NMLS# 891464

Licensed in: TX

Equal Housing Opportunity. Not a commitment to lend.

Texas Down Payment Assistance

Learn how down-payment assistance grants and second mortgages work, who qualifies, and how to compare help against rate and resale limits.

Texas Down Payment Assistance for New Braunfels Homebuyers

Down Payment Assistance Programs in Texas

TDHCA My First Texas Home

TDHCA My Choice Texas Home

TSAHC Homes for Texas Heroes

TSAHC Home Sweet Texas

Who Qualifies for Down Payment Assistance?

Grants vs. Forgivable vs. Deferred Assistance

How Down Payment Assistance Works, Step by Step

Which Loans Work with Down Payment Assistance?

Down Payment Assistance FAQs

Are there down payment assistance programs in Texas?

Do I have to be a first-time buyer to get assistance?

Is down payment assistance really free?

Will assistance raise my interest rate?

Can I combine assistance with gift funds?

What if the program runs out of money?

See Which Assistance Programs You Qualify For

Programs

The assistance seeker playbook

Grants, forgivable seconds, deferred loans, and local credits can shrink the cash hurdle. Collin Jorden, a mortgage broker in New Braunfels (NMLS #2103826), helps buyers in Comal and Guadalupe counties compare each program’s rate, repayment, occupancy, and resale rules before calling any of it “free.”

Statewide programs available to many New Braunfels buyers. Each has income limits, purchase-price limits, and funding that changes over time, so I confirm current terms before you count on them.

A Texas Department of Housing and Community Affairs program for first-time buyers (and some veterans) that pairs a first mortgage with optional down payment and closing cost assistance.

A TDHCA option that can also serve repeat buyers, with down payment and closing cost assistance available alongside the first mortgage.

A Texas State Affordable Housing Corporation program for eligible teachers, police officers, firefighters, EMS personnel, veterans, and other qualifying professions.

A TSAHC program for low- and moderate-income buyers that doesn’t require being a first-time buyer.

Program names, eligibility, and terms are set by each administrator and change frequently. Some cities and counties also offer local programs.

Tap what is true, then let us verify it against live program rules.

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Three kinds of help, three different promises. The label matters less than what triggers repayment.

Example figures are illustrative and for education — your numbers depend on price, program, county, and negotiation.

Find, layer, reserve, close. Assistance adds a second approval track beside the first mortgage.

Aid is only half the comparison. Every buyer gets this comparison run on their actual numbers. Here’s the shape of it.

Simplified for orientation — details like loan limits (we stay within conforming and FHA limits), DTI ceilings, and rates get worked through together.

Read the strings before the celebration — answered the way I’d answer a friend.

Yes. Statewide options include TDHCA’s My First Texas Home and My Choice Texas Home, and TSAHC’s Homes for Texas Heroes and Home Sweet Texas programs. Some cities and counties offer their own. Each has income limits, purchase-price limits, and funding that changes over time.

Not always. Many programs define first-time as no ownership interest in a principal residence during the prior three years, but some Texas programs are open to repeat buyers, targeted occupations, or veterans. Eligibility depends on the program, your income, and the home’s price.

Sometimes, but not always. A grant may have no repayment, while a forgivable or deferred second mortgage can become due after a sale, refinance, move-out, or missed forgiveness period. We read the note before counting the benefit.

It can. Some programs pair the help with a set first-mortgage rate or fees. We compare total cash saved today against payment and repayment cost over your likely ownership timeline.

Often yes when both the base loan and assistance rules allow it. Every dollar must be documented, and excess aid cannot become unrestricted cash back.

Funding windows can open, pause, or change. We do not write an offer assuming funds are reserved until the program administrator confirms the reservation and conditions.

I’ll search the programs attached to your address and income, then compare the help against a clean, no-assistance loan.

Plain-English mortgage guidance for New Braunfels homebuyers. I’d rather teach you the math than talk you into a payment.

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Mon–Sat · 8a–6p CT

New Braunfels, TX

Collin Jorden, NMLS #2103826, serves homebuyers in New Braunfels, Seguin, San Marcos, Canyon Lake, Schertz, Cibolo, Kyle, Bulverde, and San Antonio, plus all of Comal and Guadalupe counties and the rest of Texas.

· Licensed in Texas

Equal Housing Opportunity.

This is not a commitment to lend. Program details, rates, and payment figures are illustrative, change often, and depend on your full application.