Down Payment Assistance Program


The City of Mesquite Down Payment Assistance Program’s (DPAP) mission is to provide low to moderate income families with homeownership opportunities. The program offers assistance for down payment and closing costs to first time home buyers in the form of a 0% interest forgivable loan. The DPAP is funded through the Community Development Block Grant (CDBG) by the Federal Department of Housing and Urban Development (HUD). If you are interested in being a future homeowner, please check the eligibility requirements below before applying.


Applicants must meet the following criteria to qualify for the DPAP: 

  • Must be a first time homebuyer or not owned a home in last 3 years
  • Must have submitted an offer on, or, signed the Sales Contract on a potential property in Mesquite city limits
  • Must be a U.S. Citizen, Citizen National, or Qualified Alien
  • Applicant’s debt-to-income ratio must be at or below 43%
  • Annual Income must be at or below 80% Area Median Income (AMI). For 2021 Income Limits see chart below.
**Area Median Income for Dallas County for FY 2021, as published by HUD. Effective April 2022.
# of People in Household  1 2 3 4 5 6 7 8
80% AMI 
Low Income 
and below
$62,350   and below $70,150
 and below
$77,900 and below $84,150   and below $90,400
 and below
$96,600 and below $102,850 and below
50% AMI 
Very Low Income 
and below
$39,000 and below $43,850 and below $48,700 and below $52,600 and below $56,500 and below $60,400 and below $64,300 and below
30% AMI 
Extremely Low Income 
$20,450 and below  $23,400 and below  $26,300 and below $29,200 and below $32,470
and below 
and below
$41,910 and below $46,630 and below


Applicants interested in the program are required to complete an 8-hour home buyer education course before submission of application. The following link provides a search engine that list all eligible HUD-approved Housing Counseling Agencies. Please have counselor sign and date Certification for Completion of Homebuyer Counseling Form

HUD Approved Housing Counseling Agencies in Texas. To locate providers offering courses online or over the phone, please contact Housing Counseling Agencies directly.

The City of Mesquite has established partnerships with the following approved Agencies. Please contact them directly for upcoming dates, times, and prices of classes:


The City of Mesquite DPAP will provide up to $10,000 in grant assistance toward down payment and closing costs. The exact amount of assistance cannot be determined until the Closing Disclosure with the exact amount of closing costs is provided. This amount can be used for all or part of the down payment, closing costs, and prepaids. Buyers are responsible for providing the remaining down payment amount. Buyers are required to provide at minimum 1% of the sales price toward the cost of the home. No cash back may be provided to the buyer at closing.

Completed application with supporting documents will be processed on a first come, first served basis. 

***Submission of Application does not automatically qualify you for assistance under the program.*** Each application will go through a review and processing to determine eligibility prior to final approval of grant assistance.