Work in Frisco.Live in Frisco.
Frisco's program helps City of Frisco and Frisco ISD employees buy with up to $10,000 in forgivable assistance. This page explains who counts, the limits, and how some employees may also tap a state program.
Our comparative assessment: cash saved 40%, ease 25%, speed 15%, fewer strings 20%. Full rankings
The City of Frisco Down Payment Assistance Program is for households where at least one adult has worked full time for the City of Frisco or Frisco ISD for 6 months or more. It provides up to $10,000 as a forgivable loan. Combined household income must be at or below $150,212 (the limit varies by household size), and the price cap is $563,500. Buyers complete an 8-hour HUD class plus 1 hour of counseling.
Who qualifies.
- At least one adult employed full time by the City of Frisco or Frisco ISD
- That employment has lasted 6 months or more
- Combined household income at or below $150,212 (varies by household size)
- Purchase price at or below $563,500
- 8-hour HUD homebuyer class plus 1-hour counseling session
How it works.
Employment check
The household confirms at least one adult has 6+ months of full-time employment with the City of Frisco or Frisco ISD.
Class and counseling
The buyer completes the 8-hour HUD class and a 1-hour counseling session.
Lender pre-approval
The first mortgage pre-approval sets the price range under the $563,500 cap and confirms the income math.
Application with the City
The City of Frisco reviews employment, income and the property.
Closing
Up to $10,000 closes as a forgivable loan alongside the first mortgage.
Example: a $450,000 home with 3% down
Example only. $450,000 x 3% = $13,500. If the full $10,000 goes to the down payment, the buyer brings $3,500 plus closing costs and prepaids. The loan type and how the assistance is applied are confirmed by the lender and the City. Rates, taxes, insurance and closing costs vary.
The packet includes the City of Frisco program page, the class and counseling requirement, the Homes for Texas Heroes profession list and a document checklist.
What works
- Forgivable assistance up to $10,000
- Income limit reaches $150,212, depending on household size
- $563,500 price cap, the same as the 2026 FHA one-unit limit for the DFW counties
- Covers both City of Frisco and Frisco ISD employees
What it costs you
- Only for City of Frisco or Frisco ISD full-time employees
- Requires 6+ months on the job
- 9 hours of class and counseling before closing
- Income limit varies by household size, so $150,212 is not the limit for every household
The part nobody explains.
Frisco ISD teachers may also qualify for Homes for Texas Heroes, which covers public school educators (classroom teachers, teacher aides, librarians, counselors and nurses). The two programs may stack; the lender confirms it on a specific loan.
City of Frisco police officers, firefighters and EMS personnel may also fit the Homes for Texas Heroes profession list.
Only one adult in the household has to be the qualifying employee, but the income test counts the combined household.
Not every Frisco ISD employee is a Heroes profession. Administrative and other non-listed roles can still use the Frisco program but not the Heroes side.
Get the packet.
The official links are not on this page on purpose. They come in one email, organized, with what to do with each one and in what order.
- The packet includes the City of Frisco program page, the class and counseling requirement, the Homes for Texas Heroes profession list and a document checklist.
- Every official link for this program, plus the links for every guide you explored here
- A match with a Texava-vetted lender who closes this program
- A direct reply from Albert in English or Spanish
Where should I send it?
Your packet is on its way.
Every guide you explore before you leave gets added to the next packet. Keep reading below.
Programs stack.
Frisco ISD educators and Frisco first responders may also qualify for Homes for Texas Heroes, and the programs may stack; the lender confirms.
Federal / HUD6.9FHA home loanThe $563,500 price cap matches the 2026 FHA one-unit loan limit for the DFW counties, so FHA is a natural first-mortgage comparison.
Side by side.
The Texava Score weighs what matters to a buyer: cash saved 40%, ease to qualify 25%, speed and paperwork 15%, fewer strings 20%.
Asked most.
Who qualifies for Frisco's down payment assistance?+
Households where at least one adult has worked full time for the City of Frisco or Frisco ISD for 6 months or more, within the income and price limits.
How much is it?+
Up to $10,000 as a forgivable loan.
What is the income limit?+
Combined household income at or below $150,212, and the limit varies by household size.
Can a Frisco ISD teacher also use Homes for Texas Heroes?+
Public school classroom teachers are a listed Heroes profession, so a Frisco ISD teacher may qualify for both. Whether they stack on one loan is confirmed by the lender.
Is there a price limit?+
Yes, $563,500.
The value compounds.
Up to 5% of the loan for Texas heroes
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