Harvey Homebuyer Assistance Program

Homeownership is a dream for many Houstonians but out of reach for many low-income residents. The City offers up to $30,000 to income-qualified Houstonians who are first-time homebuyers, who have not owned a home in the last three years, or are replacing a home that was damaged by Hurricane Harvey.

Our assistance is a no-interest, forgivable loan secured by a lien. The loan is fulfilled if the buyer lives in the home for five years. If the buyer sells or moves out of the home before the end of five years, they will pay back the City for a portion of the original loan amount. Please note that a homeowner must also maintain homeowner’s insurance and flood insurance on the property for the duration of this five-year period.

To Begin, Make sure you meet these qualifications:

US. citizen or legal permanent resident?

Lived in Houston during Hurricane Harvey (August 25, 2017)? - Check Eligibility

First-Time Homebuyer OR Lost a Home in Hurricane Harvey?

Willing to attend an 8-hour homebuyer education course?

Able to obtain a fixed-rate mortgage from a lender?

Household income at or below 120% Area Median Income ?

Not a registered sex offender?

First Steps

2. Take an 8-hour homebuyer education course

3. Get a pre-approval letter from a lender for a fixed-rate mortgage

Realtors and other professionals interested in learning more about the Harvey Homebuyer Assistance Program or helping residents to take advantage of this program can sign up for our email list at the link below. Signing up will let us know of your interest and help us keep you up to date on any upcoming events or announcements.

Completed the first steps?

Call to receive an Applicant ID number. You will need this for the Program Application & Intake Form in the following steps. It is strongly recommended that you provide an email address when you make this call, as your process will move faster if you can use email.

The Harvey Homebuyer Assistance Program has three distinct phases

Phase 1: Homebuyer Application

Once you have received this number, complete all the documents on the Applicant Document Checklist , including but not limited to:

Application/Intake Form
Statement and Explanation of Facts (Form 1010)
First-Time Homebuyer Status and Certification of Property Ownership
Conflict of Interest Form
Affidavit of No Child Support Owed
Certificate of Zero Income
Pre-approval letter
Homebuyer education course certificate

Your Applicant ID number is valid for 60 days (75 days if you cannot provide an email address), so please make sure to complete all documents promptly. Incomplete applications cannot be processed. Please be sure that you have collected all the documents on the Document Checklist before submitting your application.

How to submit documents

You may submit your application in one of four ways:

Via Online Portal

Open Portal

View instructions

Recommended for fastest results.

Via Email
Via Mail or In person

Send or take to:

Housing & Community Development Department
2100 Travis Street, 9th Floor
Houston, TX, 77002

Need to check the status of your application?

Phase 2 (Property Inspection/Underwriting)

Once you receive a Conditional Reservation Letter, it is time to put a property under contract.

Your lender will need to submit all the documents on the Property & Lenders Checklist, including:

Property Data Sheet
Loan Disclosure Form
Acknowledgement of Lead Based Paint Notice
Notice to Sellers
See the full list

The City then reviews these materials and places our loan assistance into underwriting. Meanwhile, the property will be inspected and given an environmental review.

If approved, the City will then issue a Commitment Letter .

Phase 3: Closing

Once you receive a Commitment Letter, you will complete a pre-closing meeting.

Instructions and loan closing documents are sent to title and lender, who submit pre-closing documents, including:

Wiring Instructions for funds
Preliminary Closing Disclosure
Form C HbAP Insurance Benefits and Expenditures
See full pre-closing checklist

Funds from the Harvey Homebuyer Assistance Program are wired on the day of closing.

The title and lender will then submit post-closing documents, including:

Original Executed City Deferred Payment Loan Note
Final Certified Closing Disclosure
See full post-closing checklist

Frequently Asked Questions - Applicants

Frequently Asked Questions - Lenders

Questions about the program?