Homeownership Across Texas (HAT) is offered by the South-East Texas Housing Finance Corporation (SETH). As much as 5% of the mortgage amount (for FHA, VA, or USDA loans) or 3% of the mortgage amount (for conventional loans) is offered in the form of a grant.

Applicants must fall under specified income limits (which depend on location). Applicants must also have an approved mortgage from a participating lender. The mortgage must be fixed-rate; adjustable rate mortgages are not allowed.

In order for the property to qualify, it must be used as a primary residence and be located in Texas (but not in El Paso, Grand Prairie, McKinney, or Travis County).

Applicants also have to complete approved SETH Homebuyer Education.

Other programs in Texas:

• My First Texas Home
• My Choice Texas Home
• Hill Country Home Down Payment Assistance
• 5 Star Texas Advantage Program
• Home Star Program
• Homes for Texas Heroes Program

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