The SETH 5 Star Program provides eligible home buyers a grant for down payments and closing costs when purchasing a home. Buyers also receive a 30 year fixed rate FHA, VA, USDA, or conventional loan. The actual amount of the grant isdetermined by the loan amount and financing selections.

  • Available for the entire State of Texas except for Travis Country and the cities of El Paso, Grand Prairie, and McKinney.
  • Maximum sales price: $386,400 ($453,100 for conventional financing)
  • All buyers must complete the SETH on-line Home Buyers Education Course
  • Borrowers must be Income Eligible: See for income limits.
  • Minimum FICO score of 640 required.

NO First Time Home Buyer Requirement

NO Repayment required

NO Recapture Provision

NO Second Lien

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