Yes — and most buyers looking in Bridgeland, Towne Lake, Marvida, or Dunham Pointe don't realize how many options exist, or which ones actually apply here.

Here's the catch most buyers miss first: Cypress is unincorporated Harris County, not the City of Houston. That matters, because some of the programs you'll find in a quick Google search — like the City of Houston's down payment assistance program — only apply inside Houston city limits. If you're buying in Cypress, you need the Harris County-specific and statewide programs instead.

TDHCA — My First Texas Home

The Texas Department of Housing and Community Affairs runs the state's core first-time buyer program. It pairs a 30-year, fixed-rate mortgage with down payment and closing cost assistance of 2%–5% of your loan amount, offered as either a 3-year forgivable second lien or a 30-year deferred (repayable) second lien.

Minimum credit score is 620. You'll need to work with a Texas Homebuyer Program-approved lender and stay within household income and property value limits.

TSAHC — Texas State Affordable Housing Corporation

TSAHC offers a similar structure: 3%–5% down payment assistance, either as a grant (no repayment) or a 3-year deferred forgivable second lien. This can be layered with a Mortgage Credit Certificate, which gives you an annual federal tax credit equal to 15% of the mortgage interest you pay, capped at $2,000 a year — money back at tax time, every year you hold the loan.

Harris County Housing and Community Development — Down Payment Assistance Program

This one got a real upgrade recently: assistance was raised to up to $40,000 (up from $23,800, effective November 2025), and the minimum credit score is 580 — lower than any other program here.

But it now comes with a catch that didn't exist when this program was last relevant to this series: a 2026 maximum purchase price of $285,000 for an existing home, or $296,000 for new construction. Bridgeland's own median sold price is just under $488,000, Towne Lake's is $700,000, and Dunham Pointe's is $867,000 — this program doesn't reach any of those. It's realistic for lower-priced purchases elsewhere in the Cypress area, not for a typical resale in this farm.

SETH 5 Star Texas Advantage

This program offers up to 5% assistance toward down payment and closing costs, structured as either a 3-year forgivable second lien or a 30-year deferred option with no monthly payments, and works with FHA, USDA, VA, and conventional loans. The purchase price cap that used to limit this program is gone — SETH's current program terms list no maximum sales price, which actually makes it a stronger fit for higher-priced Bridgeland and Dunham Pointe purchases than it was a few weeks ago. Minimum FICO is 640.

What this means for you.

None of these programs are Bridgeland-specific — they're statewide or county-level tools that happen to apply here because of where Cypress sits. The right one for you depends on your credit score, income, and the price point you're shopping in: Harris County's program is generous but capped well below most homes here; SETH no longer has that ceiling. A lender who works these programs regularly can tell you in one conversation which ones you actually qualify for.

The move.

Don't assume you don't qualify, and don't assume the first program you find online applies to a Cypress purchase. Get matched with the right one before you start touring homes — it changes your buying power.

Call or text me at 281-750-2915, or visit ChristianWalshHomes.com, and I'll connect you with a local lender who can walk through exactly what you qualify for.