City of Baytown Housing Assistance Pogram (HAP)

HAP Programs Houston

 
Houston HAP HAP Program Website  

HAP Program Guidelines

The purpose of the Homebuyers’ Assistance Program is to assist low-moderate income families in purchasing affordable housing within the city limits. The program has two components: 1) educational Homebuyers’ Counseling Workshop, which is free and accessible to everyone. Workshops are held every six-eight weeks and are presented by a HUD-approved counseling agency. 2) Assistance Loan for payment of normal closing costs associated with the purchase of a single family home. Eligible homebuyers may be granted up to $4,500 in the form of a deferred loan, secured by a subordinate lien on the property. These funds are available through the Community Development Block Grant Program in the form of a five (5) year forgivable loan and are provided at the time of closing.

 

Eligibility Requirements

All potential homebuyers must provide the appropriate documents to verify the following:

  1. homebuyer is able to obtain mortgage financing from a lender;
  2. homebuyer is 18 years of age or older;
  3. all members of applicant’s household are legal residents of the United States;
  4. homebuyer has completed a City sponsored Homebuyers’ Counseling Workshop;
  5. homebuyer’s employment and credit stability is consistent with lenders’ qualifications;
  6. no person in the applicant household has owned a home within the past three (3) years;
  7. no person in the household has previously received assistance through the Homebuyers’ Assistance or Housing Rehabilitation Programs of the City of Baytown;
  8. homebuyers’ chosen property must be a detached single-family home priced at $105,000 or below within the city limits of Baytown;
  9. no person in homebuyer’s household can be related to the owner(s) and/or seller(s) of chosen property; and
  10. applicant’s household annual gross income must not exceed the below-stated maximum income limits.

 

No. in Household Annual Maximum Gross Income
1 $37,450
2 $42,800
3 $48,150
4 $53,500
5 $57,800
6 $62,100
7 $66,350
8 $70,650
 
To contact a Houston mortgage DPA specialist, use the contact form to the right or call (800) 308-8503 or (281) 305-9375.
 

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To contact a Houston mortgage DPA specialist, use the contact form to the right or call (800) 308-8503 or (281) 305-9375.
 

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