THDA quiz · As of 10-28-2026
Cash-to-close gap
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Your result
Ask a lender
On these bands there may be a real gap between savings and cash to close. Down payment help may cover part of it, so ask a THDA-approved lender what applies.
What this rests on
- Down payment help of 5% of the price, up to $15,000, is a 30-year loan that is paid down over time at the same rate as the first mortgage. As of 10-28-2026.
- Down payment help of up to $6,000 or up to $10,000 is a forgivable 0% second mortgage over 10 years. It is due if the home is sold or refinanced earlier. As of 10-28-2026.
- Down payment help of up to $25,000 is available for new or proposed construction, as a 15-year 0% loan. As of 10-28-2026.
May fit
Your savings may be close to what this price range takes. Ask a THDA-approved lender for an estimate in writing.
What this rests on
- Down payment help of 5% of the price, up to $15,000, is a 30-year loan that is paid down over time at the same rate as the first mortgage. As of 10-28-2026.
Ask a lender
Closing costs vary by loan and by home. A THDA-approved lender can give you an estimate in writing, and that is the number to plan around.
What this rests on
- Down payment help of 5% of the price, up to $15,000, is a 30-year loan that is paid down over time at the same rate as the first mortgage. As of 10-28-2026.
- Down payment help of up to $6,000 or up to $10,000 is a forgivable 0% second mortgage over 10 years. It is due if the home is sold or refinanced earlier. As of 10-28-2026.
Ask a lender
You may be partway there. Ask a THDA-approved lender for a written estimate of cash to close, and whether down payment help may cover part.
What this rests on
- Down payment help of 5% of the price, up to $15,000, is a 30-year loan that is paid down over time at the same rate as the first mortgage. As of 10-28-2026.
- Down payment help of up to $6,000 or up to $10,000 is a forgivable 0% second mortgage over 10 years. It is due if the home is sold or refinanced earlier. As of 10-28-2026.