We have multiple providers in the state of Texas, that can provide you with funds to close on a home. Some require you to be a first-time home buyer, others do not. These programs work in tandem with loan programs like the VA home loan, FHA loan, USDA loan and Conventional loans, click here to find out more about them. So regardless of the program you need, to be able to purchase a home, down-payment assistance can work with it to help you realize the dream of homeownership. If you are over a 620 credit score, you can access these programs.