Plano, Texas – January 1, 2026: Dream Home Mortgage is offering first-time homebuyers a chance they cannot afford to miss. Starting January 2, 2026, a limited down payment assistance program opens with up to $25,000 in free money for your dream home. This is not a loan. You never pay it back. But there is a serious problem: only $3.4 million is available for the entire January round across five states, and once the money is gone, it is gone until April. Every hour counts. Every delay puts someone else ahead in line.
HELP Program for Down Payment Assistance
The HELP Program stands for Homebuyer Equity Leverage Partnership. It helps First Time Homebuyers get into a home faster by covering down payment and closing costs. These are usually the biggest money problems standing between renters and homeowners.
Here is why waiting even one day is dangerous:
- Only $3.4 million is set aside for January 2, 2026
- Five states compete for the same pot of money
- Funds are given out first come, first served
- When the money runs out, your chance is over
Thousands of buyers will apply the moment applications open. If you hesitate, someone else takes your spot. If you think you have time, you are already behind.
How Much Money Can You Get?
The grant amount depends on where you buy your home:
- $20,000 for properties in Arkansas, Louisiana, or Mississippi
- $25,000 for properties in New Mexico or down payment assistance Texas areas
This money gets applied directly at closing. That means lower costs out of your pocket and easier approval for home loans. No catch. No hidden fees. Just grant funds toward your dream home.
Pre-requisites for First-Time Home Buyer Grant
Many people qualify and do not even know it. You might be one of them.
Here is a checklist you can follow:
- First Time Homebuyer or have not owned a home in three years
- Your household income is at or below 80% of your area’s median income
- Complete a short homebuyer counseling program
- Contribute at least $500 of your own money
- You agree to live in the home as your main residence for five years
The home must be where you actually live. This grant does not work for rental properties or vacation homes. But if you meet these rules, you have a real shot at thousands of dollars in assistance.
Waiting Until April Is a Terrible Idea
The HELP Program has five funding rounds in 2026. The next one after January is April 6, 2026. But waiting three months means:
- Missing out on home value increases
- Risking higher mortgage rates
- Watching other buyers snap up good homes
- Losing momentum and motivation
The January round is the first. It moves the fastest. Buyers who act now get first access. Buyers who wait get leftovers, if anything remains at all.
Start Your Application Right Now
You cannot afford to wait another day. The application process starts immediately at Dream Home Mortgage. Visit our website to begin. The form takes minutes to complete, but it could mean the difference between getting funded and getting shut out. Their team will walk you through every step. They answer your questions. They guide you through counseling and make sure your application goes in early and correctly. But they can only help if you reach out now.
Why Dream Home Mortgage Is Your Best Choice
Dream Home Mortgage, a division of Brazos National Bank, operates nationwide. They bring over 27 years of experience to every home loan. Licensed in all 50 states, their loan officers work directly with processors and lenders to make sure closings happen on time and stress-free.
What makes them different from other mortgage brokers?
- Personal involvement in every loan
- Rate lock renegotiation policy that protects you if rates drop
- Free one-on-one consultations
- Quick pre-qualification process
- Transparent service with no hidden games
Their team stays available before closing, during closing, and after closing. Clients trust them for competitive mortgage rates and home loans built around real needs. When you work with Dream Home Mortgage, you get a partner who fights for your best outcome.
Do Not Let This Opportunity Vanish
January 2, 2026, is almost here. Buyers across Arkansas, Louisiana, Mississippi, New Mexico, and Texas will flood the system with applications. Only the fastest will walk away with this money. This program down payment assistance Texas opportunity could decide whether you rent for another year or finally own your dream home.
CEO Hussein Panjwani makes it clear:
“The biggest mistake I see buyers make is thinking they have time to decide. With limited funding available and five states competing for those funds, we are talking about a window that could close in hours, not days. Our team is standing by to help buyers get their applications in immediately.”
Book a free consultation at Calendly.com or call (972) 245-5626 right now. Dream Home Mortgage is ready to help you move fast. This down payment assistance will not wait. Your dream home will not wait. Do not let someone else take your spot. Act today before the money runs out.
About Dream Home Mortgage
Dream Home Mortgage (DHM), a division of Brazos National Bank, serves clients nationwide. DHM delivers personalized mortgage solutions with a reputation for transparency, competitive rates, and comprehensive guidance. Their experienced mortgage professionals help buyers proceed with confidence in securing available funding before depletion.
Media Contact:
Hussein Panjwani
CEO, Dream Home Mortgage
📞 (972) 245-5626
🌐 https://dreamhomemortgage.com