DPA + Conventional for First-Time Buyers
in Blanco County, Texas
Down payment assistance stacked on a conventional loan. Real numbers for Johnson City / Hill Country buyers in 2026.
No credit check · Takes 3 minutes · 100% free
What is a DPA + Conventional?
Texas DPA programs can provide $15,000–$30,000 in assistance — enough to cover your entire down payment and some closing costs — stacked on top of a conventional loan. This combo keeps your monthly payment competitive while eliminating the biggest barrier for most first-time buyers.
Who Qualifies for a DPA Conventional in Blanco County?
- ✓First-time homebuyer (no ownership in last 3 years)
- ✓Credit score of 640 or higher
- ✓Household income at or below 115% of Area Median Income (AMI)
- ✓Debt-to-income ratio under 45%
- ✓Stable employment (6+ months at current job)
- ✓Complete a HUD-approved homebuyer education course
- ✓Blanco County income limit: $98,800 (1–2 person) / $113,620 (3+ person)
Pros & Cons
Real Example: DPA Conventional Buyer in Blanco County
Here's what the numbers look like for a typical first-time buyer using a DPA + Conventional in Blanco County today.
Principal + interest + property tax (1.8%) + insurance (0.5%) at 6.75% rate
Frequently Asked Questions
What credit score do I need for a DPA + Conventional in Blanco County?
The minimum credit score for a DPA + Conventional is 640. In Blanco County, most lenders prefer 660+ for the smoothest approval and best interest rates. Scores below 640 will need work before applying.
How much down payment do I need for a DPA + Conventional in Blanco County?
With Texas DPA programs, your down payment can be $0 — the assistance covers it. DPA provides $15,000–$30,000 toward your purchase in Blanco County, which can cover the full down payment on homes up to $544,232.
What is the estimated monthly payment for a DPA + Conventional in Blanco County?
On the median $350,000 home in Blanco County, the estimated all-in monthly payment is approximately $2,999. This includes principal and interest (at 6.75%), property taxes (~1.8%), and homeowner's insurance (~0.5%). Your actual payment will vary based on your loan amount, rate, and specific property.
Is DPA + Conventional the right choice for me in Blanco County?
First-time buyers under the AMI limit who have good credit (640+) but limited cash savings for a down payment. Blanco County has a median home price of $350,000, which is within typical DPA + Conventional limits. With DPA, you can buy in Blanco County with little to no cash upfront — a major advantage in this market.
What DPA programs work with DPA + Conventional in Blanco County?
TSAHC My First Texas Home, USDA Rural Development, TDHCA My Choice Texas Home are all available in Blanco County. These programs pair directly with this loan type. All require first-time buyer status and income at or below $98,800 for 1–2 person households.
DPA Conventional in Nearby Counties
Do you qualify for a DPA Conventional in Blanco County?
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