​​​Effective May 1, 2026 Business and Community Lenders of Texas (BCL of Texas) manages the Dallas Homebuyer Assistance Program (DHAP). The City no longer directly administers the program. Please contact BCL of Texas using the information below for more information or to apply. 

     dhap@bcloftexas.org

     (214) 919-1866

     bcloftexas.org/dhap

​

About DHAP:

The Dallas Homebuyer Assistance Program (DHAP) helps eligible low- and moderate-income households purchase a home by providing financial assistance at the time of purchase, in accordance with federal, state, and local regulations.

 There are three extensions of the program:

• Dallas Homebuyer Assistance Program: This program assist low to moderate homebuyers to purchase a home within the city limits of Dallas. Now operated by BCL of Texas.
• Targeted Occupations Homebuyer Assistance Program: This program is designed to provide homeownership opportunities to those who have direct impact in Dallas communities and intended for those in the Educational Instruction and Librarian Services, Healthcare, and Protective Services.  (All funding for this extension of the program has been expended)
• Anti-Displacement Homebuyer Assistance Program:  This program is designed to provide homeownership opportunities to current Dallas residents who have lived in the City of Dallas for at least ten (10) years and the purchase property must be in one of the designated targeted areas.  See the eligibility requirements below. Now operated by BCL of Texas.

To either re-subordinate for refinancing or request payoffs or lien releases for DHAP liens on a property title please visit the City of Dallas Housing & Neighborhood Revitalization Department Compliance & Lien Portfolio division.

Eligibility Requirements:

For more information on Eligibility Requirements please visit the DHAP Program Manual. 
 
Dallas Homebuyer Assistance Program:

• All Applicants must be a U. S. Citizen, Permanent Resident or Eligible Immigration Status with a valid social security card.
• Borrowers with annual household income at or below 80% of the Area Median Income (AMI) for household size may be eligible for a DHAP Loan. 
• Applicant must have an executed real estate sales contract and mortgage lender approval for a first lien mortgage loan. 
• Assistance will be based on need and the amount may not exceed the following limits:
• High Opportunity Areas - $60,000
• All other locations in Dallas - $50,000
  
• Housing payment may not exceed 35% of the buyer's monthly gross income.
  
• Subject to additional DHAP requirements

• Home Maximum Sales Price:
  

  • Existing properties - $342,000
  • New Construction - $342,000
  • Properties must appraise for at least 100% of the sales price.
  • Sales price limits are effective for contracts written on or after September 1, 2024

 
Targeted Occupations Homebuyer Assistance Program:  (All funding for this extension of the program has been expended)

• All Applicants must be a U. S. Citizen, Permanent Resident or Eligible Immigration Status with a valid social security card.
• Homebuyer incomes must be above 80% and not exceed 120% of the Area Median Income (AMI) for household size.
• Applicant must have an executed real estate sales contract and mortgage lender approval for a first lien mortgage loan. 
• The program is intended for those in the following occupations:
• Education instruction and library occupations
• Healthcare practitioners and technical occupations
• Healthcare support occupations
• Protective services occupations, including but not limited to fire fighters and police officer.
• To see a link of qualified occupations, please click here.
• Assistance is based on need and may not exceed $50,000.
• There is no sales price limit.  The homebuyer's sales price will be determined by the mortgage lender based on the borrower's mortgage qualifying income and credit.  The housing payment may not exceed 35% of the buyer's monthly gross income. Subject to additional DHAP requirements.
• Properties must appraise for at least 100% of the sales price.

Anti-Displacement Homebuyer Assistance Program:  

• All Applicants must be a U. S. Citizen, Permanent Resident or Eligible Immigration Status with a valid social security card.
• Homebuyer incomes must be at least 50% and not exceed 120% of the Area Median Income (AMI) for household size.
• Applicant must have an executed real estate sales contract and mortgage lender approval for a first lien mortgage loan. 
• Applicants must currently live in the City of Dallas for at least 10 years.
  
• Assistance is based on need and may not exceed $50,000.
• There is no sales price limit.  The homebuyer's sales price will be determined by the mortgage lender based on the borrower's mortgage qualifying income and credit.  The housing payment may not exceed 35% of the buyer's monthly gross income. Subject to additional DHAP requirements.
• Properties must appraise for at least 100% of the sales price.
• Some funding is limited to targeted areas DHAP 10 - Targeted Areas.pdf

Funding Limitation:

The actual amount of assistance will be determined on an as needed basis. The assistance is a second lien as a forgivable deferred loan.  Loan terms are interest-free with no monthly payments, prorated annually based on the affordability period (residency term of the loan).  Partial repayment is due upon sale, lease, transfer or other disposition of the property. 

Funding is based on availability, and first come, first service basis.  Prequalified applicants must have an executed sales contract and mortgage loan approval for the purchase property.

Need extra homebuyer assistance through DHAP? Find out which Dallas neighborhoods are designated as High Opportunity Areas (DHAP).