Current down payment assistance guidelines, updated from one source.
One source feeds every down payment assistance page Lendmire publishes; the Pflugerville, TX figures below refresh when the program sheets are updated.
Of the purchase price
Assistance is sized as a share of the price, never a fixed sum: the biggest option covers the down payment and reaches closing costs, the smaller ones cover the 3.5% FHA minimum down payment, in whole or, on the lowest tier, in part.
Covers the FHA down payment, in whole or in part
The FHA minimum down payment is 3.5%, and this option covers it in whole or, on its lower tier, in part with nothing to pay back — no lien, no payment, no interest — for buyers at or below the area income limit or in a qualifying category.
On the forgivable and repayable options
The forgivable and repayable options have no income limit at all — one of the biggest advantages of this program. Only the nothing-to-repay option asks for income at or below 140% of the area median, or a qualifying category.
Credit score to start
This is the lowest score that opens an option here — the nothing-to-repay option; the forgivable second liens start a little higher and the repayable options higher still, so a stronger score opens more choices.
| Option | Assistance | What you repay | Credit · mortgage · units |
|---|---|---|---|
| Grant-style assistance — nothing to repay | 2% or 3.5% of the price | Nothing — released at closing | 620+ · FHA 203(b), FHA repair escrow, FHA Limited 203(k), FHA Standard 203(k) · 1–4 units |
| Forgivable second lien — three-year | 3.5% of the price | Nothing after 36 on-time mortgage payments | 640+ · FHA 203(b), FHA Limited 203(k), HUD-184, USDA · 1–2 units |
| Forgivable second lien — five-year | 3.5% of the price | Nothing after 60 on-time mortgage payments | 640+ · FHA 203(b), FHA Limited 203(k), HUD-184, USDA · 1–2 units |
| Repayable second lien — thirty-year amortization, ten-year balloon | 3.5% or 5% of the price | Second lien, 30-year amortization, balloon in year 10 | 660+ · FHA 203(b), FHA Limited 203(k), HUD-184, USDA · 1–2 units |
| Closing-cost repayable second lien | 3.5% or 5% of the price | Second lien, 30-year amortization, balloon in year 10 | 660+ · FHA 203(b) · 1–2 units |
| Refinance-cost second lien (repayable) | 1% to 3.5% of the balance | Second lien, repaid | 660+ · FHA 203(b) · 1–4 units |
Current down payment assistance snapshot · updated September 7, 2026 · six options offered in Texas · no option requires a first-time buyer · no option combines with another assistance program · owner-occupied primary residences only.
The figures on this page are program parameters, not offers: assistance percentages, credit floors, unit limits, and forgiveness periods vary by option and by state, and every file is underwritten individually. The calculator estimates an FHA payment at an editable benchmark rate that is not a quote; no fee or lender is stated or implied. Lendmire brokers these loans through its wholesale network in sixteen licensed states, is never the lender, and is not affiliated with FHA, USDA, HUD, or the federal government. Lendmire, LLC — NMLS #2371349. Equal Housing Opportunity.
What down payment assistance is — and how the options differ.
The first-time home buyer programs in Pflugerville, TX answer the most common reason a qualified buyer does not close — the cash to close — with assistance measured on the price and shaped to the buyer’s situation.
For the program overview, see Lendmire’s down payment assistance program, or the statewide guide at Down Payment Assistance in Texas.
Assistance covers the FHA down payment
An FHA purchase asks for a minimum investment from the buyer; the assistance covers it, measured as a percentage of the lesser of price or value, and the largest option carries a further share for closing costs and prepaids.
Four shapes: grant, forgivable, repayable, refinance
Nothing to repay, forgiven over time, or repaid with a balloon: the three purchase shapes in Pflugerville, TX cover the same minimum investment and differ in what the buyer owes afterward, and a fourth, the refinance-cost option, serves an existing FHA loan.
Credit floors, mortgage programs, and unit counts
Two-borrower files can qualify on a blended score on the second-lien options when the higher earner has the higher score and an automated approval is in hand; every borrower still needs a score of their own, and the first lien and the unit count place the file as the options table shows.
Eligibility without a first-time-buyer rule
Eligibility is broader than most buyers expect: repeat buyers qualify, income limits apply only to the nothing-to-repay option, and the categories that open it include first responders, educators, medical personnel, civil servants, and military.
The calculator below runs this math on a price you enter. Choose an assistance option offered in Texas and add any cash of your own; it sizes the minimum investment, the assistance, what is left for closing costs, the FHA loan with its mortgage insurance, and the payment at an editable market benchmark rate.
Where Pflugerville’s first-time and moderate-income buyers shop — and how the assistance fits.
Census estimates give the backdrop for a down payment assistance file: where Pflugerville, TX’s renters live, what a median home costs, and what a median household earns.
Citywide figures provide general market context, not an appraisal or an income calculation. The higher the median value, the larger the minimum investment in dollars; that is why the assistance is sized as a percentage of the price rather than a fixed sum, and why the larger option matters more in expensive markets.
Data sources: U.S. Census Bureau — ACS 5-Year (2024) housing and population estimates, including tenure, home values, gross rents, and household income.
Distinct Pflugerville submarkets, distinct property rules.
Across Pflugerville’s established neighborhoods, county-limit homes, and rural edges, the same program produces different closings because prices, property types, and first liens differ block by block.
New construction
A new-build home in Pflugerville pairs with the assistance as long as it is the buyer’s primary residence and the first lien is a government program. About 30% of Pflugerville’s households rent — roughly 7,353 renter households, the pool the program exists for.
Small multi-unit homes, owner-occupied
In Pflugerville, owner-occupied small multi-unit buildings qualify for assistance when the buyer lives in one unit, up to four units on a purchase; the unit count decides which option applies. Median gross rent in Pflugerville is about $1,932 a month — the payment many renters already carry.
Established neighborhoods
The established neighborhoods of Pflugerville carry a long history of government-backed purchases, which is where the assistance fits most naturally: the minimum investment covered on a first home. Median household income in Pflugerville sits near $117,799 on the latest Census estimate.
Homes that need work
The older stock in Pflugerville pairs with a renovation first lien and the assistance together: the help is figured on the purchase price, and the loan covers price plus repairs. The median owner-occupied home value in Pflugerville runs near $402,400 on the latest Census estimate.
Manufactured homes on owned land
For Pflugerville buyers choosing manufactured housing, the assistance is available on owned land, with the option set by the home’s width. On a home at Pflugerville’s median value, the FHA minimum investment comes to about $14,100 — the figure the assistance is built to cover.
USDA-eligible areas
Where a property near Pflugerville is USDA-eligible, the no-down-payment first lien pairs with the forgivable or ten-year repayable assistance, which can reach closing costs above the minimum investment. Pflugerville itself counts a population near 66K.
Submarket descriptions are general market context; the first lien’s approval, the option’s rules, and full underwriting decide every figure in a file.
Four ways Pflugerville buyers put down payment assistance to work.
The same assistance serves several purposes in Pflugerville, TX; four of the most common are below.
Buy a small multi-unit home and live in one unit
For a Pflugerville buyer choosing a small multi-unit home, the assistance attaches to the first lien on the building, up to the option’s unit limit, with the buyer living in one of the units.
Pair the assistance with a USDA or HUD-184 mortgage
Where the first lien is USDA or HUD-184, the second-lien assistance options carry the file in Pflugerville, forgivable or repayable by the buyer’s choice and credit profile.
Buy a first home with the down payment covered
The most common Pflugerville, TX file: an FHA first lien, the assistance covering the minimum investment, and the buyer’s own funds reserved for moving costs and reserves.
Cover the costs of an FHA refinance
Owners in Pflugerville with an FHA loan and little cash for a refinance use the refinance-cost option, subject to its own credit floor and the combined-leverage limit it carries.
Size the assistance on a Pflugerville price before requesting a quote.
Enter a Pflugerville purchase price, choose an assistance option offered in Texas, and add any cash of your own. The calculator sizes the FHA minimum investment, applies the assistance to the down payment and closing costs, builds the FHA loan with its upfront and monthly mortgage insurance, and estimates the payment at an editable market benchmark rate — with housing and total ratios when you enter income.
Pflugerville FHA payment with assistance
Illustrative Pflugerville inputs; the calculator recalculates on every change.
Editable benchmark: 7.28% as of October 1, 2026 · Freddie Mac 30-year average via FRED®. A conventional market reference, not an FHA loan quote.
Illustrative starting assumptions: a $400,000 price near Pflugerville’s median owner-occupied home value, the strongest assistance option offered in Texas applied against the FHA minimum investment, a thirty-year term at the current Freddie Mac benchmark, property taxes and insurance estimated for Texas (U.S. Census Bureau). Every field is editable.
Illustrative estimate only — not a Loan Estimate, approval, quote, or commitment to lend. The rate field carries the weekly Freddie Mac thirty-year conventional benchmark, a market reference and not an FHA loan quote; your rate is set by the lender at lock. FHA mortgage insurance follows HUD’s published schedule for the term, leverage and loan size entered; taxes, insurance and dues are editable estimates; closing costs are not included; a repayable second lien adds its own payment, which is not shown here. Consumer mortgage lending licensed in sixteen states. Lendmire is not affiliated with or acting on behalf of FHA, USDA, HUD, or the federal government.
Same buyer, three very different closings.
Down payment assistance is one of the ways a Pflugerville buyer covers the minimum investment; each has a different cost after closing.
Assistance on an FHA loan, your own down payment, or assistance on a USDA or HUD-184 loan.
The structure for a Pflugerville buyer who qualifies for the payment but not the cash to close — the help is sized on the price and the option decides what, if anything, is owed afterward.
For a Pflugerville, TX buyer with the cash in hand, the plain FHA purchase is the cleaner file; the assistance exists for the buyer who does not have it yet. For the first lien itself, see Lendmire’s FHA loan program.
On a USDA or HUD-184 first lien in Pflugerville, TX the assistance is forgivable or the ten-year repayable kind; the separate closing-cost option is FHA only. For the USDA first lien, see the USDA loan program.
Choose by what you have: cash for the minimum investment, family who can gift it, a USDA-eligible property, or none of those — the assistance is for the last case, and the most common one.
What to prepare for a Pflugerville scenario review.
A typical starting file for a first purchase with assistance.
This is a general preparation guide, not a universal checklist. The selected lender may request additional information based on the mortgage, the assistance option, the property, and the eligibility category. Nothing here is legal or tax advice.
Local details that can change the loan.
Every Pflugerville file is underwritten individually, but the same handful of considerations recur; they are worth settling before the contract is signed.
Use these checks to keep the Pflugerville file clean and fundable.
The checks below keep a Pflugerville assistance file on track, and each one comes from the option’s own terms rather than from a lender’s preference.
- Know the option: read the second lien as the loan it is.
- Confirm the category: settle which category applies before the application is signed.
- Take the course: keep the certificate for the file.
The option decides what you owe afterward
The same minimum investment can be covered three ways on a purchase in Pflugerville, TX, and the difference is entirely in what happens after closing: nothing, nothing if the first lien stays current, or a second loan that comes due; the options table shows what is offered.
The eligibility category for the nothing-to-repay option
The category is checked at application on the nothing-to-repay option, together with the signed assistance application and the education certificate; no option requires a first-time buyer, and the second-lien options carry no income limit.
Homebuyer education on the nothing-to-repay option
For a Pflugerville buyer heading for the nothing-to-repay option, the course is the first thing to schedule; the certificate is part of the file, closing waits on it, and the cost is credited back at the table.
Escrow holdbacks for minor repairs
A Pflugerville home with a small repair list does not have to wait for the work before closing; the escrow holdback carries it, within the program’s cap and timeline, with an inspection when the work is done.
The forgiveness clock on the forgivable options
A forgivable second lien is released after the on-time payment period on the first lien — three years on one option, five on the other — with no interest and no payment in between; a serious delinquency inside the period keeps the lien in place.
From a Pflugerville pre-approval to keys with the assistance in place.
The process for a Pflugerville, TX purchase with assistance is deliberate, because the details around the assistance are what stall closings.
Pick the option
Lendmire reads the Pflugerville scenario against the options offered in Texas: the credit tier, the first lien, the unit count, the category, and whether the help must reach closing costs.
Get the mortgage approved
The first lien’s approval carries the file; the assistance is arranged alongside it, with the eligibility category and the education certificate in hand where they apply.
Clear the property
The appraisal, the condominium approval where one applies, the manufactured-home title, and the county loan limit are settled; small repairs go into an escrow holdback where the option allows it.
Close both loans together
Final underwriting reads the whole Pflugerville, TX file against the first lien’s rules and the option’s; the loan funds with the assistance in place and the second lien, where there is one, recorded behind it.
A brokerage that pairs the assistance to the loan.
Lendmire built its consumer practice around the buyers these programs exist for, which is why the options, the categories, and the property rules are familiar ground rather than surprises.
The option, matched to the buyer
A Pflugerville scenario is placed on the right option first — the credit tier, the first lien, and the category — and the rest of the file is then built to fit it, before anything is ordered.
The mortgage, matched to the property
A Pflugerville file is matched to the first-lien program that carries the property — FHA everywhere, USDA or HUD-184 where they fit — and the assistance option follows that choice.
The right wholesale program
Assistance programs differ across wholesale lenders in what they offer and where; Lendmire places a Pflugerville, TX file where its credit, its first lien, and its property read best, subject to lender program eligibility.
Trusted by first-time buyers & families alike.
Pflugerville down payment assistance FAQs
Plain answers to the questions Pflugerville buyers ask most about down payment assistance, before you request a review. Every file is underwritten individually; nothing here is a commitment.
Do I have to be a first-time homebuyer?
You do not. Every option is open to repeat buyers; the file is placed on the price, the credit score, the mortgage program, and the home — having owned before closes nothing, and a first purchase is only one of the categories that opens the nothing-to-repay option.
Is there an income limit?
A Pflugerville buyer above the area income limit still reaches the nothing-to-repay option through an occupation, a first purchase, or the tract, and reaches the second-lien options regardless of income.
What first-time home buyer programs are available in Pflugerville?
Think of it as one program with several ways to receive the help: forgiven at closing, forgiven after a run of on-time payments, or repaid over time. The options table on this page shows exactly which ones are offered in Texas and what each costs to carry.
Do I have to pay the assistance back?
It depends on the shape a Pflugerville, TX buyer takes. Two carry nothing to repay: the nothing-to-repay option where it is offered, and the forgivable second liens, released after the on-time payment period. The repayable options are loans, paid back with interest and a balloon.
What credit score do I need?
Scores in the low six hundreds open the first option, and each step up in score opens more of them. The mortgage program has its own rules too, so the credit score, the mortgage, and the property are read together before the option is named.
Can I buy a duplex or a fourplex with assistance?
Owner-occupied small multi-unit homes qualify, with the unit count deciding the option; a Pflugerville, TX buyer living in one unit of a fourplex uses the nothing-to-repay option, the one purchase option that reaches four units; the second-lien options stop at two.
What if my mortgage is above the county loan limit?
Only the repayable options pair with a high-balance first lien; the nothing-to-repay and forgivable options stop at the lesser of the conforming limit or the county limit.
Which mortgages can the assistance be used with?
FHA on every option, with the repair-escrow and renovation programs where the options table allows them and the standard FHA loan alone on the closing-cost and refinance options; USDA and HUD-184 on the forgivable and repayable second liens (the closing-cost repayable option, the one that also reaches prepaid items, is FHA only). Conventional first liens are outside the program.
What is the rate on the mortgage and on the assistance?
The first lien’s rate is set by the lender at lock; the calculator on this page seeds its rate field from the weekly Freddie Mac conventional benchmark as a market reference, not an FHA quote, and every field stays editable. The repayable second lien’s terms are set by the program and disclosed on its own documents; the forgivable and nothing-to-repay options carry no interest.
How does a forgivable second lien work — the small second loan behind the mortgage?
It is a lien that costs nothing to carry and disappears on schedule; the clock runs with the first lien’s payments.
Ready to size the assistance on a Pflugerville home? Start with the price.
A first read of a Pflugerville assistance scenario takes a few minutes and commits you to nothing; the option, the category, and the property rules are explained before anything is ordered.
This guide covers Pflugerville — for the statewide options, categories, and property rules, see Down Payment Assistance in Texas, part of Lendmire’s down payment assistance program.
Nearby markets in Texas: Round Rock · Cedar Park · Austin · Georgetown · Leander · Kyle · Wimberley · Killeen
Related programs: FHA Loans · USDA Loans · FHA 203(k) Rehab Loans