Sugar Land, Missouri City, Richmond, Rosenberg, Katy (Fort Bend side)

Fort Bend County Down Payment Assistance, 2026

The Fort Bend County Housing Finance Corporation approved $10,000 in assistance for first time buyers in 2026, first come first served. The county publishes little else, so this page says exactly what is confirmed and where the rest comes from.

Fort Bend County Housing Finance Corporation offers $10,000 in down payment assistance to qualified first time buyers purchasing in Fort Bend County, approved for 2026 and available first come first served until the funds are committed. The program is administered by Covenant Community Capital, and the county's site does not publish the income limit, the repayment terms or the credit score; those come from the administrator on a live file. No city run program was found on the official sites of Missouri City, Sugar Land or Rosenberg as of September 3, 2026, so most Fort Bend buyers use TSAHC, SETH 5 Star or TDHCA, all of which cover the county.

What Fort Bend County publishes, and what it does not

Amount	$10,000 in down payment assistance, approved for 2026, first come first served; the program expires once funds are committed.
Buyer status	First time buyer.
Where	Homes in Fort Bend County.
Administrator	Covenant Community Capital for the Fort Bend County Housing Finance Corporation.
Structure	Not published by the county. A February 2025 news report described it as repayable on sale, refinance or transfer, which is not an official source, so we do not treat it as one.
Income limit	Not published by the county. The same 2025 report cited 120% of area median income. Confirm with the administrator on your file.
Price cap, credit score, education, occupancy	Not published by the county.
City programs	No down payment assistance program was found on the official sites of Missouri City, Sugar Land or Rosenberg as of September 3, 2026. Fort Bend County Community Development lists first time homebuyer assistance as an eligible HOME activity, but publishes no consumer program terms.

What Fort Bend buyers actually use

Three statewide programs cover every address in the county and publish their terms. TSAHC gives up to 5% of the loan as a grant or forgivable lien with a $156,000 income limit and no first time buyer rule. SETH 5 Star gives up to 5% as a forgivable or deferred lien with a $183,925 limit and a 640 score. TDHCA's My First Texas Home gives 2% to 5% for first time buyers under $104,000 (1 to 2 people) or $119,600 (3 or more) with a price cap of $566,354, and My Choice Texas Home drops the first time buyer rule at a $176,800 limit. Any of them can be combined with a seller concession, and USDA zero down financing applies to the rural parts of the county on the USDA map.

How to apply

Have your lender contact the administrator. Covenant Community Capital runs the program for the county (713-383-7273). The county's own instruction is to have your lender make the contact, which is what we do.
Get the current terms on your file. Income limit, repayment or forgiveness terms, price cap and credit score are not on the county's site. The administrator states them for a specific buyer.
Run the statewide programs in parallel. TSAHC, SETH 5 Star and TDHCA all cover Fort Bend County and publish their terms. Most Fort Bend buyers close on one of those whether or not the county money is still available.
Reserve early. First come first served means the funds can be gone before a contract is signed. A pre approval that already accounts for the assistance is the way to move fast.

Where these numbers come from

Sources, read September 3, 2026

Program terms change with funding and with each guideline revision. The program's own document controls; this page records what it said on the date above. Where a program does not publish a term, this page says so.

Questions buyers ask

Does Fort Bend County have down payment assistance in 2026?

Yes. The Fort Bend County Housing Finance Corporation approved $10,000 in down payment assistance for qualified first time buyers for 2026, first come first served until the funds are committed, administered by Covenant Community Capital. The county publishes the amount and the first time buyer rule but not the income limit or repayment terms.

Does Sugar Land or Missouri City have its own down payment assistance program?

No program was found on the official city sites of Sugar Land, Missouri City or Rosenberg as of September 3, 2026. Buyers in those cities use the Fort Bend County HFC program while funds last, and the statewide TSAHC, SETH 5 Star and TDHCA programs.

What is the income limit for Fort Bend County down payment assistance?

The county does not publish it. A 2025 news report cited 120% of area median income, which we treat as unconfirmed. The administrator states the limit on a live file, and the statewide programs publish theirs: $156,000 for TSAHC and $183,925 for SETH 5 Star in Fort Bend County.

How do I apply for the Fort Bend County $10,000 assistance?

Through your lender. The county's instruction is to have the lender contact the program administrator, Covenant Community Capital, at 713-383-7273. We make that contact as part of the pre approval so the reservation is in place before you write an offer.

Can I use TSAHC or SETH in Fort Bend County?

Yes. Both are statewide programs and cover every Fort Bend address. They are the programs most Fort Bend buyers close on, with or without the county's $10,000.

Confirm it in one call

The checker reads the published limits. A short call confirms which program fits your address, your household and your timeline, and what it does to your cash to close.

Run the checker above Book 15 minutes with Ben

InSync Homes and Loans. Ben Helstein, Texas real estate broker and mortgage loan originator, NMLS #1577314. InSync Loans NMLS #1829321. Equal Housing Opportunity. Nothing on this page is a commitment to lend or a guarantee of terms; every loan is subject to lender underwriting, property review, and credit approval. Cap rate estimates are screens built from public listing data and market rents, not appraisals.