Mortgage down payment assistance programs are designed to help first-time homebuyers or those with low-to-moderate incomes, credit challenges, or limited funds for a down payment to become homeowners. These programs are available through various government agencies and non-profit organizations and are typically offered at the state or local level.

In Texas, there are several mortgage down payment assistance programs available to help eligible borrowers. Some of the programs include:

1. Texas Department of Housing and Community Affairs (TDHCA) First Time Homebuyer Programs: These programs offer down payment and closing cost assistance to eligible first-time homebuyers in the form of a grant or deferred loan.

2. City of Dallas Homebuyer Assistance Program: This program offers down payment and closing cost assistance to eligible homebuyers in the form of a grant.

3. City of San Antonio Homeownership Incentive Program: This program offers down payment and closing cost assistance to eligible homebuyers in the form of a grant.

4. Homeownership Across Texas: This program offers down payment and closing cost assistance to eligible homebuyers in the form of a grant.

5. Texas State Affordable Housing Corporation (TSAHC) Homeownership Programs: These programs offer down payment and closing cost assistance to eligible homebuyers in the form of a grant or deferred loan.

To qualify for a mortgage down payment assistance program in Texas, borrowers typically need to meet certain income and credit requirements and complete a homebuyer education course. The specific requirements vary by program.

Mortgage down payment assistance programs can be a valuable resource for first-time homebuyers or those with low-to-moderate incomes who may have difficulty coming up with the funds for a down payment. These programs can help make homeownership more accessible and affordable.