Current down payment assistance guidelines, updated from one source.
One source feeds every down payment assistance page Lendmire publishes; the Grapevine, 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.
Covers the whole FHA down payment
The FHA minimum down payment is 3.5%, and this option covers all of it 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
The score that opens the nothing-to-repay option; the forgivable options start a step higher and the repayable options higher still. Two-borrower files may use a blended score on the second-lien options.
| 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.
Program figures are hydrated from one guideline source and change when it changes. The nothing-to-repay option is not offered in every state; the forgivable and repayable options are second liens; no option combines with another assistance program; all are for owner-occupied primary residences. The rate in the calculator is an editable market benchmark, not a quote, and the payment shown is an illustrative estimate; no fee or lender identity appears on this page. Lendmire is the broker, not the lender, and is not affiliated with FHA, USDA, HUD, or the federal government.
What down payment assistance is — and how the options differ.
The first-time home buyer programs work the same way in Grapevine, TX as anywhere in the footprint: a government first lien, an assistance option sized as a percentage of the price, and a set of rules about credit, units, and eligibility that decide which option fits.
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
Every option is sized on the price, not on a fixed sum: the smaller options cover the minimum investment, the larger repayable option covers it and reaches closing costs and prepaid items too.
Four shapes: grant, forgivable, repayable, refinance
Nothing to repay, forgiven over time, or repaid with a balloon: the three purchase shapes in Grapevine, TX cover the same minimum investment and differ in what the buyer owes afterward.
Credit floors, mortgage programs, and unit counts
A Grapevine file is placed by three things — the credit tier, the first-lien program, and the property — and the options table on this page shows the floor, the first liens, and the unit limit for every option offered in Texas.
Eligibility without a first-time-buyer rule
A Grapevine buyer who has owned before is eligible; the second-lien options carry no income limit and no first-time-buyer rule, and the nothing-to-repay option opens on any one of four categories.
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 Grapevine’s first-time and moderate-income buyers shop — and how the assistance fits.
Census housing and income data describe who buys in Grapevine, TX and what it costs to get in; a lender reads those figures as context for the first lien, not as underwriting inputs.
Market context only. 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 Grapevine submarkets, distinct property rules.
Grapevine’s entry-level stock is not one market. Each submarket below carries its own price points, its own property rules, and its own fit with the assistance options.
Condominiums close to work
Buyers in Grapevine’s condominium buildings use the program to bridge the down payment, with the building’s approval status settled early so the closing is not held up. The median owner-occupied home value in Grapevine runs near $493,100 on the latest Census estimate.
Manufactured homes on owned land
In Grapevine, a manufactured home on a fee-simple lot pairs with the program; leaseholds do not, and the home’s width decides which option carries it. On a home at Grapevine’s median value, the FHA minimum investment comes to about $17,300 — the figure the assistance is built to cover.
Two-to-four-unit homes, owner-occupied
In Grapevine, owner-occupied small multi-unit buildings qualify for assistance when the buyer lives in one of the units; the unit count decides which option applies. About 47% of Grapevine’s households rent — roughly 10,211 renter households, the pool the program exists for.
New construction and infill
New construction in Grapevine works with the program; the appraisal and the builder’s timeline set the pace, and the assistance closes with the first lien like any other purchase. Median gross rent in Grapevine is about $1,863 a month — the payment many renters already carry.
Townhomes and attached homes
In Grapevine, a townhome in a planned development pairs cleanly with the program; the association’s rules and dues are read alongside the first lien, and the assistance covers the down payment. Median household income in Grapevine sits near $111,376 on the latest Census estimate.
Older neighborhoods and renovation loans
Renovation purchases in Grapevine qualify for the assistance on the price before repairs, which lets a buyer take on a home that needs work without also finding the minimum investment. Grapevine counts a population near 51K within the Dallas-Fort Worth-Arlington, TX area.
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 Grapevine buyers put down payment assistance to work.
The same assistance serves several purposes in Grapevine, TX; four of the most common are below.
Cover the costs of an FHA refinance
A Grapevine homeowner refinancing an existing FHA loan can use the refinance-cost option, a repayable second lien sized on the balance, to cover closing costs and keep the first lien inside FHA limits.
Cover closing costs too on the larger option
A Grapevine 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.
Pair the assistance with a USDA or HUD-184 mortgage
A Grapevine, TX buyer on a USDA or HUD-184 first lien uses the second-lien options, forgivable or repayable; the nothing-to-repay option pairs only with FHA first liens.
Buy a two-to-four-unit home and live in one unit
House-hacking in Grapevine, TX pairs with the program when the buyer occupies a unit; the unit count decides which option applies, and the first lien carries the building.
Size the assistance on a Grapevine price before requesting a quote.
The calculator does what a loan officer’s first pass does for a Grapevine 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.
Grapevine FHA payment with assistance
A Grapevine scenario to start from — adjust the price, the option, your own cash, the term, and the rate to see the assistance and the payment.
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 $495,000 price near Grapevine’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 Grapevine buyer covers the minimum investment; each has a different cost after closing.
Assistance on a government loan, saving the minimum, or a gift.
Assistance paired with the first lien at closing: the minimum investment covered, the shape chosen by credit, first lien, and eligibility category, and the second-lien options open to repeat buyers with no income limit.
The buyer brings the minimum investment from savings, a retirement withdrawal, or seasoned funds; no second lien, no eligibility category, no homebuyer education requirement, and no assistance to carry. For the first lien itself, see Lendmire’s FHA loan program.
Where the property is USDA-eligible or the buyer qualifies for HUD-184, the second-lien options carry the Grapevine file, and the closing costs are what the assistance covers. 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 Grapevine, TX file where it reads best.
What to prepare for a Grapevine 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.
These are the points a lender reads on a Grapevine assistance file before the option is confirmed; each one can move the structure.
Use these checks to keep the Grapevine file clean and fundable.
Before making an offer on a Grapevine, TX home, confirm the option, the county loan limit, and the property’s unit count and type.
- Know the option: read the second lien as the loan it is.
- Confirm the category: identify the category that opens the nothing-to-repay option.
- 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 in Grapevine, 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
For a Grapevine buyer, the category question is worth answering early: a buyer inside the income limit or in a qualifying occupation reaches the nothing-to-repay option; a buyer outside every category uses the forgivable or repayable second liens, which carry no income limit.
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 balloon on the repayable option
The repayable second lien amortizes over thirty years but comes due in the tenth year; it carries interest and a monthly payment, its own loan number, and a balloon disclosure. It is the option that reaches closing costs, and it is a loan.
Property type and unit count select the option
The property itself can move a Grapevine, 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.
From a Grapevine pre-approval to keys with the assistance in place.
Four steps take a Grapevine, TX assistance file from a first read to funding; the first one is the one most buyers skip.
Pick the option
Lendmire reads the Grapevine 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 Grapevine 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 Grapevine, 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
Lendmire reads the options offered in Texas against a Grapevine buyer’s credit, first lien, property, and category before anything is ordered, and names the fit by cost to carry.
The mortgage, matched to the property
FHA, USDA, or HUD-184 is chosen with the Grapevine property — its address, its unit count, its type — so the assistance option that pairs with it is the one that attaches.
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.
Grapevine down payment assistance FAQs
The questions a Grapevine, TX buyer asks before requesting an assistance review, answered plainly.
Do I have to be a first-time homebuyer?
No option requires it. A Grapevine 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 Grapevine?
A Grapevine buyer can cover the FHA minimum investment through a nothing-to-repay option where offered, a forgivable second lien, or a repayable second lien that reaches closing costs; the calculator on this page sizes each one on a price you enter.
Do I have to pay the assistance back?
For a Grapevine 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.
What property types are eligible?
A Grapevine home that the first lien accepts and the option’s property rules allow; the property side is checked before the option is confirmed.
Do I need a homebuyer education course?
Only the nothing-to-repay option requires it; the certificate is part of that file.
Can I use the assistance on a second home or a rental?
Primary residences only. Investment properties and second homes are outside the program.
Which mortgages can the assistance be used with?
FHA on every option, including the repair-escrow and renovation programs; USDA and HUD-184 on the forgivable and repayable second liens. Conventional first liens are outside the program.
What is the repayable option and when does it make sense?
The repayable second lien covers the minimum investment and closing costs; plan around its balloon and read its disclosures as the loan it is.
Place your Grapevine purchase on the right option today.
No credit pull, no commitment: an initial review places your Grapevine purchase on the right option and tells you what to gather.
This guide covers Grapevine — 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: Little Elm · Baytown · Odessa · Dallas · FHA Loans · USDA Loans