​Dallas Homebuyer Assistance Program (DHAP)

About DHAP:

The Dallas Homebuyer Assistance Program (DHAP) provides homeownership opportunities to low- and moderate-income homebuyers through the provision of financial assistance when purchasing a home, in accordance with federal, state, and local laws and regulations. For more information, please download the DHAP program information flyer in English or in Spanish.

 

  • Dallas Homebuyer Assistance Program: This program assist homebuyers to purchase a home within the city limits of Dallas. The amount of assistance will be based on need. 
  • Targeted Occupations Homebuyer Assistance Program: This program is designed to provide homeownership opportunities to those who have direct impact in Dallas communities and intended for those in the Educational Instruction and Librarian Services, Healthcare, and Protective Services.

To either re-subordinate for refinancing or request payoffs or lien releases for DHAP liens on a property title please visit the City of Dallas Housing & Neighborhood Revitalization Department Compliance & Lien Portfolio division.


DHAP
    LENDERS    
​HOMEBUYER  EDUCATION
PROVIDERS
TITLE
COMPANIES



Eligibility Requirements:

For more information on Eligibility Requirements please visit the DHAP Program Manual. 
 
Dallas Homebuyer Assistance Program:

  • All Applicants must be a U. S. Citizen, Permanent Resident or Eligible Immigration Status with a valid social security card.
  • Borrowers with annual household income at or below 80% of the Area Median Income (AMI) for household size may be eligible for a DHAP Loan. 
  • Assistance will be based on need and the amount may not exceed the following limits:
    • High Opportunity Areas - $60,000
    • All other locations in Dallas - $40,000

Household Size


80% AMI

​

1

2

3

4

5

6

7

8


 $ 54,550

 $ 62,350

 $ 70,150

$ 77,900

$ 84,150

$ 90,400

$ 96,000

$ 102,850

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​​​​​​​​
Income limits effective June 15, 2022


 
Targeted Occupations Homebuyer Assistance Program:

  • All Applicants must be a U. S. Citizen, Permanent Resident or Eligible Immigration Status with a valid social security card.
  • Homebuyer incomes must be above 80% and not exceed 120% of the Area Median Income (AMI) for household size.
  • Applicant must have an executed real estate sales contract and mortgage lender approval for a first lien mortgage loan. 
  • The program is intended for those in the following occupations:
    • Education instruction and library occupations
    • Healthcare practitioners and technical occupations
    • Healthcare support occupations
    • Protective services occupations, including but not limited to fire fighters and police officer.
  • Assistance is based on need and may not exceed $45,000.

Household Size


80% AMI

1

2

3

4

5

6

7

8


$ 54,550

$ 62,350

$ 70,150

$ 77,900

$ 84,150

$ 90,400

$ 96,000

$ 102,850


120% AMI 

​

1

2

3

4

5

6

7

8


$ 81,816

$ 93,504

$ 105,192

$ 116,880

$ 126,230

$ 135,581

$ 144,931

$ 154,282

​​
​​​​​​​​

 Home Maximum Sales Price:

  • Existing properties - $271,000
  • New Construction - $271,000
  • Sales price limits are effective for contracts written on or after June 1, 2022


How to Apply:

To apply for DHAP, the City recommends the following steps:

Step 1: Attend a Homebuyer Education Course

Attend a pre-purchase Homebuyer Education Course through one of the DHAP and HUD Approved Education Providers. This course will prepare you for the home purchasing process. Once the course is completed the education provider will give you a certificate of completion that is valid for one year.


Step 2: Contact an approved Lender

Contact a DHAP approved lender on the program website under Approved Lenders. Inform them you want to apply for the Dallas Homebuyer Assistance Program for down payment and closing cost funds.  The lender will review all your information and provide you with a prequalification letter that will reflect a sales price they will finance.


Step 3: Submit an Application

Submit an online application for DHAP at Neighborly Software Portal.  Select the portal for Dallas Homebuyer Assistance Program.  DHAP will review your household information to determine if you meet the eligibility requirements of the program and will provide you with a conditional letter of eligibility to provide to your lender.

All applicable documents must be uploaded into the Neighborly Software System via .pdf, .jpg or .doc format. Use the DHAP Checklist to ensure all documents have been uploaded.




Step 4: Contact a Real Estate Agent

Once you have received the prequalification from a lender and a conditional letter of eligibility from DHAP, your next step should be to contact a real estate agent to help you find an existing or new construction property within the city limits of Dallas.  You will then be able to supply the prequalification letter as proof that you are a serious homebuyer.


Step 5: Final review process

When you have an executed sales contract for a home purchase, and funds are still available, the lender will work directly with the City of Dallas to process your loan application and determine the amount of assistance you may receive.  Upon the initial underwrite of the loan application, all files are subject to a final review process before closings can be set.  Homebuyer's, mortgage lenders and realtors should anticipate approximately 45 days for the final review process.



Funding Limitation:

The actual amount of assistance will be determined on an as needed basis. The assistance is a second lien as a forgivable deferred loan.  Loan terms are interest-free with no monthly payments, prorated annually based on the affordability period (residency term of the loan).  Partial repayment is due upon sale, lease, transfer or other disposition of the property. 

Need extra homebuyer assistance through DHAP? Find out which Dallas neighborhoods are designated as High Opportunity Areas (DHAP).



DHAPLoans@dallascityhall.com     |     214-670-3644     |     www.dallascityhall.com/DHAP