Homeownership Across Texas (HAT) Program

Sponsored by:

Southeast Texas Housing Finance Corporation and Lubbock Housing Finance Corporation

No First Time Homebuyer Requirement

The Homeownership Across Texas (HAT) Program provides eligible homebuyers a Grant for the down payment and closing cost associated with the purchase of a home. The residence to be purchased must be located in Texas and outside the city limits of El Paso, Grand Prairie, McKinney, and Travis County. There is no repayment for the Grant provided. Actual amount of the Grant received will be determined by your loan amount. This program does require homebuyers to meet established income limits determined by the county location of the home and obtain a mortgage loan from a participating program lender. The mortgage loan provided by this program can be an FHA, VA, USDA or Conventional loan product. Loan rates must be fixed, no adjustable rate mortgages. Buyers must owner-occupy the home purchased with this program, no second homes or investment property permitted. Homebuyers will also complete the required on-line homebuyer education class.


If your loan amount is $120,000 5% Grant (FHA, VA, USDA) $120,000 x 5% = $6,000 3% Grant (Conventional) $120,000 x 3% = $3,600

Complete details for this program including a list of lenders, income limits and homebuyer education information can be found at
www.HatGrant.com or by contacting:

Shari Flynn
Program Administrator

Gloria Mendoza
Housing Specialist