Current down payment assistance guidelines, updated from one source.
The current program figures below are hydrated from Lendmire’s down payment assistance standards source at each visit, so the options shown for Burleson, TX are the options in force.
Of the purchase price
Up to this share of the price can come from assistance: the largest option reaches closing costs as well as the down payment, while the smaller options cover the 3.5% FHA minimum.
Covers the whole FHA down payment
This covers the entire 3.5% FHA minimum down payment and is forgiven at closing: no lien on the home, no monthly payment, no interest. It opens on the area income limit or on a qualifying category.
On the forgivable and repayable options
Most of the options carry no income limit, so a higher-earning household qualifies the same as anyone else; only the nothing-to-repay option looks at income, at 140% of the area median, or at 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.
This page describes down payment assistance at the program level. The option for any file comes from the credit tier, the first lien, the property, and the eligibility category; the first lien’s approval, the appraisal, and full underwriting decide the actual terms, subject to lender program eligibility. Nothing here is a quote, a fee, or a commitment to lend; the calculator’s rate is a market benchmark you can edit and its payment an estimate. Lendmire is never the lender and is not affiliated with FHA, USDA, HUD, or the federal government.
What down payment assistance is — and how the options differ.
For Burleson, TX buyers, the first-time home buyer programs work the same way: the first lien carries most of the price, the assistance covers the minimum investment, and the shape of the assistance — nothing to repay, forgivable, or repayable — decides what it costs to carry.
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
The gap the program closes for a Burleson buyer is the minimum investment: the assistance covers that share of the price, the first lien carries the rest, and the buyer’s own savings stay for the move.
Four shapes: grant, forgivable, repayable, refinance
The assistance comes as a grant where it is offered, as a forgivable second lien, or as a repayable second lien; each pairs with the first lien differently, and the options table on this page shows what is offered in Texas.
Credit floors, mortgage programs, and unit counts
Each option carries its own credit floor, its own first-lien list, and its own unit limit: the nothing-to-repay option pairs only with FHA and reaches four units; the second-lien options pair with FHA, USDA, and HUD-184 and stop at two units for a purchase.
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.
Enter a price, choose an option, and add your own cash. The calculator sizes the minimum investment, splits the assistance between the down payment and closing costs, and estimates the FHA payment with mortgage insurance, taxes, insurance, and dues.
Where Burleson’s first-time and moderate-income buyers shop — and how the assistance fits.
Market data for Burleson, TX frame the question every assistance file answers: at this price, how large is the minimum investment, and which option covers it?
These are context figures, not underwriting inputs. A large renter share signals demand for the program; a moderate median value signals that the minimum investment is within the assistance’s reach; the two together describe where the program closes most files.
Data sources: U.S. Census Bureau — ACS 5-Year (2024) housing and population estimates, including tenure, home values, gross rents, and household income.
Distinct Burleson submarkets, distinct property rules.
A down payment assistance file in Burleson reads differently by submarket — condominium approval, association packages, unit counts, and USDA eligibility all shift from one to the next.
Two-to-four-unit homes, owner-occupied
The duplexes and small multi-unit homes of Burleson pair with the assistance on the first lien, up to the option’s unit limit. On a home at Burleson’s median value, the FHA minimum investment comes to about $10,800 — the figure the assistance is built to cover.
New construction
New construction in and around Burleson works with the program; the appraisal and the builder’s timeline set the pace, and the assistance closes with the first lien. Median household income in Burleson sits near $93,928 on the latest Census estimate.
Established neighborhoods
In Burleson, a first home in an older neighborhood pairs with the program on an FHA first lien, and the assistance covers the down payment the buyer would otherwise have to save. Burleson counts a population near 53K.
USDA-eligible areas
On Burleson’s rural edges, the USDA first lien and the second-lien options fit together, keeping cash to close near zero for buyers who qualify. Median gross rent in Burleson is about $1,685 a month — the payment many renters already carry.
Homes that need work
Renovation purchases in Burleson qualify for the assistance on the price before repairs, which keeps older homes within reach. About 28% of Burleson’s households rent — roughly 5,126 renter households, the pool the program exists for.
Manufactured homes on owned land
For Burleson buyers choosing manufactured housing, the assistance is available on owned land, with the option set by the home’s width. The median owner-occupied home value in Burleson runs near $308,200 on the latest Census estimate.
None of this is a valuation or an approval; it is the backdrop a Burleson file is read against before the first lien and the option decide the numbers.
Four ways Burleson buyers put down payment assistance to work.
How Burleson buyers put the program to work depends on the first lien, the property, and what the help needs to cover; these four paths cover most files.
Cover the costs of an FHA refinance
The refinance-cost option in Burleson, TX is for an existing FHA loan, not a streamline, and not a loan that already carries assistance; it is sized on the lesser of balance or value.
Buy a home that needs work with a renovation mortgage
A Burleson buyer taking on a fixer pairs a limited or standard renovation first lien with the assistance; the help is figured on the purchase price, and the loan covers price plus repairs.
Cover closing costs too on the larger option
A Burleson buyer who needs more than the minimum investment uses the repayable option that covers down payment, closing costs, and prepaid items, including costs paid outside closing.
Buy a two-to-four-unit home and live in one unit
An owner-occupied duplex, triplex, or fourplex in Burleson qualifies on the option that reaches four units; the buyer lives in one unit and the assistance covers the minimum investment on the whole building.
Size the assistance on a Burleson price before requesting a quote.
The calculator does what a loan officer’s first pass does for a Burleson file — sizes the minimum investment, applies the option, builds the FHA loan with mortgage insurance, and estimates the payment — using the current program figures and an editable benchmark rate.
Burleson FHA payment with assistance
Starting assumptions reflect Burleson’s home values; change any field and the loan, the mortgage insurance, and the payment are recalculated.
Editable benchmark: 6.71% as of September 3, 2026 · Freddie Mac 30-year average via FRED®. A conventional market reference, not an FHA loan quote.
Illustrative starting assumptions: a $310,000 price near Burleson’s median owner-occupied home value (kept where an FHA first lien is realistic), 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, four very different closings.
Down payment assistance is one of four ways a Burleson buyer covers the minimum investment; each has a different cost after closing.
Assistance on a government loan, saving the minimum, or a gift.
Covers the FHA minimum investment as a percentage of the price — some with nothing to repay — with forgivable and repayable second-lien shapes, credit floors in the low six hundreds, and no first-time-buyer rule; the larger option reaches closing costs and prepaids.
Paying the minimum investment yourself keeps the closing simplest — no second lien, no category, no course; the trade is the months or years of saving that the assistance replaces. For the first lien itself, see Lendmire’s FHA loan program.
On a USDA or HUD-184 first lien, the assistance shifts to the second-lien options and to the closing costs; the nothing-to-repay option pairs only with FHA. For the USDA first lien, see the USDA loan program.
Assistance fits the buyer short of cash to close; the plain purchase fits the buyer with savings; the USDA and HUD-184 pairing fits eligible properties and borrowers; a documented gift fits when family can help — Lendmire places the Burleson, TX file where it reads best.
What to prepare for a Burleson scenario review.
What a down payment assistance review usually starts with.
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.
The assistance is the easy part; the rules around it are where Burleson, TX files stall. These are the ones that most often change a file’s shape.
Use these checks to keep the Burleson file clean and fundable.
Three checks keep a Burleson assistance file on track: know which option the credit tier opens, know which first lien the property can carry, and know the category that opens the nothing-to-repay option.
- Know the option: choose by cost to carry first, amount second.
- Confirm the category: remember that the second-lien options carry no income limit.
- Confirm the property: check the unit count against the option’s limit.
The option decides what you owe afterward
Choose the shape before the amount: the forgivable options cover the minimum investment and cost nothing to carry when the first lien stays current; the repayable option covers more and is repaid; a nothing-to-repay option released at closing where it 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.
Property type and unit count select the option
The property itself can move a Burleson, TX file: a fourplex, a single-width manufactured home, or an unapproved condominium project each changes which option can attach, so the address is read before the option is promised.
Homebuyer education on the nothing-to-repay option
The nothing-to-repay option requires a HUD-approved homebuyer education or pre-purchase counseling course, online or in person; the buyer pays for it up front and the cost is credited back at closing. The second-lien options do not require it.
The forgiveness clock on the forgivable options
The clock starts at closing and runs with the first lien’s payments; a Burleson buyer who plans to sell or refinance inside the period should expect the second lien to be paid at that point, since it is not resubordinated.
From a Burleson pre-approval to keys with the assistance in place.
The process for a Burleson, TX purchase with assistance is deliberate, because the details around the assistance are what stall closings.
Pick the option
Lendmire reads the Burleson 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
Property review runs in parallel with the first lien; the Burleson home is checked against the option’s rules and the first lien’s, from the unit count to the association package.
Close both loans together
Final underwriting reads the whole Burleson, 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.
An assistance file rewards preparation, and preparation is what a brokerage built for first-time and moderate-income buyers provides.
The option, matched to the buyer
A Burleson 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
USDA where the address is eligible, HUD-184 where the buyer qualifies, FHA everywhere; the Burleson, TX first lien is the foundation the assistance stands on.
The right wholesale program
Not every wholesale lender carries down payment assistance, and the ones that do differ on shape, floors, and states; Lendmire knows which is which.
Trusted by first-time buyers & families alike.
Burleson down payment assistance FAQs
Plain answers to the questions Burleson 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?
No option requires it. A Burleson buyer who has owned before qualifies for the second-lien options on credit, first lien, and property alone, and for the nothing-to-repay option through any of the other categories.
Is there an income limit?
Only on the nothing-to-repay option, and only when no other category applies: household income at or below the area median income limit, measured where the property sits. The forgivable and repayable second-lien options carry no income limit beyond the first lien’s own rules.
What first-time home buyer programs are available in Burleson?
Assistance measured as a percentage of the price, in shapes that differ by what you owe afterward: nothing, nothing if the first lien stays current, or a second loan with a balloon. Credit, the first lien, the property, and the eligibility category decide which fits.
Do I have to pay the assistance back?
For a Burleson buyer, the nothing-to-repay option where offered, otherwise a forgivable second lien; the options table on this page shows what each costs to carry.
What credit score do I need?
It depends on the option. The lowest floor belongs to the nothing-to-repay option; the second-lien options start higher, and the first lien’s own rules apply on top.
Can I combine this with another assistance program?
No. One assistance program per file. The nothing-to-repay option also does not combine with a high-balance first lien or with certain FHA specialty programs.
What is the rate on the mortgage and on the assistance?
A scenario review produces the actual terms; the calculator here shows an estimate at a benchmark rate you can change, with the assistance sized on the price you enter.
What does Lendmire do on a Burleson first-time home buyer file?
The structural work: option, first lien, property, category, education, disclosures, closing. A Burleson buyer brings the contract; Lendmire brings the fit.
What is the repayable option and when does it make sense?
A second lien that amortizes over thirty years and comes due in the tenth year, with interest, a monthly payment, and its own disclosures. It makes sense when the help needs to reach closing costs and prepaids, when the first lien is high balance, or when the credit tier opens it but not the others.
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 Burleson buyer living in one unit of a fourplex uses the option that reaches four.
The down payment is the hurdle. Let us clear it.
No credit pull, no commitment: an initial review places your Burleson purchase on the right option and tells you what to gather.
This guide covers Burleson — for the statewide options, categories, and property rules, see Down Payment Assistance in Texas, part of Lendmire’s down payment assistance program.
Also in Texas: Lubbock · Bryan · Pearland · Beaumont · FHA Loans · USDA Loans