First-Time Home Buyer Rebates & Incentives in Dallas-Fort Worth
Make your dream of homeownership a reality. Combine AATRealty’s exclusive cash-back rebate with Texas first-time buyer programs to save thousands on your first home in DFW.
Buying your first home in the Dallas-Fort Worth metroplex is an exciting milestone, but coming up with the down payment and closing costs can feel overwhelming. At AATRealty, we believe that expert representation shouldn’t cost you extra—it should pay you.
By pairing our up to 2.5% New Construction Home Buyer Rebate with state and local first-time buyer incentives, we help you drastically reduce the cash you need to bring to the closing table.
Up to 2.5% Rebate on New Construction Homes
With new home communities booming across Texas, builders are actively competing for your business. When you choose AATRealty to represent you on a newly built home, we share our commission with you—crediting up to a massive 2.5% of the purchase price directly back into your pocket.
You can use this substantial cash rebate to maximize your purchasing power and offset out-of-pocket expenses, including:
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Covering your closing costs
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Buying down your interest rate for a lower monthly payment
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Paying for premium builder upgrades and design center options
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Important Requirement to Secure Your Rebate: To guarantee your eligibility, you must inform the builder's sales representative that Torang Nazmi is your exclusive Buyer's Agent during your very first visit to the model home.
Up to 2% Rebate on Pre-Owned Homes
If you prefer the character, mature trees, and established neighborhoods of a resale home, you still get paid! When AATRealty helps you negotiate and purchase a pre-owned home in the Dallas-Fort Worth area, you receive up to a 2% cash-back rebate at closing.
See Your Savings in Action: For example, on a $600,000 home purchase, that is up to $12,000 going straight back into your pocket—simply for choosing us as your real estate broker. You can use these funds to cover closing costs, handle immediate renovations, or comfortably settle into your new neighborhood.
Top Down Payment Assistance & Incentives in DFW
In addition to our broker rebate, Texas offers several powerful programs designed specifically to help first-time buyers get into a home. We work closely with approved lenders to help you take advantage of these incentives.
1. TSAHC & TDHCA State Programs
The Texas State Affordable Housing Corporation (TSAHC) and the Texas Department of Housing and Community Affairs (TDHCA) offer incredible programs for first-time buyers, including:
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Down Payment Assistance (DPA): Grants or forgivable second-lien loans that provide 2% to 5% of the loan amount to help with down payments and closing costs.
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Homes for Texas Heroes: Specialized assistance for teachers, police officers, firefighters, EMS personnel, and veterans.
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Mortgage Credit Certificates (MCC): A special tax credit that reduces your federal income tax liability every year, helping you qualify for a better loan.
2. Dallas Homebuyer Assistance Program (DHAP)
If you are looking to buy within the Dallas city limits, the DHAP offers significant financial assistance for eligible low-to-moderate-income buyers. Depending on your household income and the location of the home, you could qualify for up to $50,000 to $60,000 in down payment and closing cost assistance.
3. Builder Incentives
When buying a new build, builders often offer their own in-house incentives if you use their preferred lender. These can include design center credits, free upgrades, or thousands of dollars toward closing costs.
The AAT Realty First-Time Buyer Rebate: Up to 2.5% Cash Back
Whether your dream is to be the very first owner of a brand-new build or to settle into a charming established neighborhood, your first home purchase comes with a massive financial perk. When you partner with AATRealty, we share our standard agent commission directly with you, giving you thousands of extra dollars at closing.
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How Much Can You Earn?
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New Construction Homes: Receive up to a 2.5% rebate on the purchase price.
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Pre-Owned (Resale) Homes: Receive up to a 2% rebate on the purchase price.
See Your Savings in Action:
If you are purchasing a $400,000 starter home in DFW, you could receive up to $10,000 cash back on a newly built home, or up to $8,000 cash back on a pre-owned home!
How You Can Use Your Rebate:
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Cover Closing Costs: Significantly lower the total out-of-pocket cash you need to bring to the closing table.
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Buy Down Your Interest Rate: Pay for mortgage "points" upfront to secure a lower monthly payment for years to come.
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Fund Upgrades & Repairs: Buy new appliances, handle immediate home improvements, or furnish your new space.
Important Note for New Construction: To guarantee your up to 2.5% new build rebate, you must inform the builder's sales representative that Torang Nazmi with AATRealty is your exclusive Buyer's Agent during your very first visit to the model home.
The Ultimate "Stack":
Maximizing Your Savings
The secret to buying your first home affordably in DFW is "stacking" your incentives. Because AAT Realty's rebate is independent of state and builder programs, you can often use them together!
Imagine this scenario on a $350,000 new construction home:
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State Down Payment Assistance: You receive a 4% grant ($14,000) to cover your down payment.
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Builder Incentive: The builder covers your title policy and offers $5,000 toward closing costs.
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AAT Realty Rebate: You receive up to 2.5% ($8,750) credited toward your remaining closing costs or rate buy-down.
Result: You step into your first home with absolute minimal out-of-pocket cash!
Expert Guidance for First-Time Buyers
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Navigating loan programs, builder contracts, and home inspections can be intimidating if you have never done it before. At AAT Realty, you aren't just another transaction.
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You will work directly with our lead broker and founder, Torang (Tara) Nazmi. With over 1,000 successful closings and deep expertise in the Dallas-Fort Worth market, Tara provides the 24/7 personalized support you need. We will hold your hand through the entire process—from getting pre-approved with the right lender to handing you the keys to your first home.
Work Directly with Texas Broker Tara Nazmi
Expert Representation You Can Trust
In a fast-paced market, who you hire matters. At AATRealty, you will never be handed off to a junior agent or an inexperienced assistant. Instead, you work directly with our founder and lead broker, Torang (Tara) Nazmi, a trusted Dallas-Fort Worth real estate expert since 2008.
Over 1,000 Successful Closings
When it comes to real estate, experience is your greatest asset. Since founding AATRealty in 2013, Tara has closed more than 1,000 properties across the metroplex. She leverages her deep local knowledge to help you identify the best neighborhoods, avoid poor investments, and confidently secure your dream home.
24/7 Personalized Support
Purchasing a home is one of the biggest financial decisions of your life, which means seamless communication is non-negotiable. Because we operate as a specialized boutique brokerage, Tara and her team have the bandwidth to prioritize you. We are available around the clock to answer your questions, schedule private tours on your timeline, and guide you smoothly to the closing table.
Frequently Asked Questions
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Are real estate commission rebates legal in Texas?
Absolutely. The Texas Real Estate Commission (TREC) explicitly permits licensed brokers to offer cash rebates to buyers. It is a completely legal, highly transparent, and financially smart way to purchase your home.
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Will the builder just lower the price if I don't use an agent?
No. Builders have a strict marketing budget that already includes agent commissions. They do not lower the base price of the home if you walk in unrepresented; the builder simply keeps that money as extra profit. Using AATRealty ensures those funds go to you instead.
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Do I get less service because you offer a rebate?
Not at all. AATRealty is a full-service boutique brokerage. You will work directly with our founder and lead broker, Torang (Tara) Nazmi—never an assistant. We handle everything from arranging private tours and aggressively negotiating the purchase price to reviewing complex contracts and guiding you through inspections. You get premium representation and the cash back.
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What is the catch for new construction homes?
There is only one strict rule: You must register AATRealty (Torang Nazmi) as your real estate agent on your very first visit to the builder's model home. If you tour a model home and register under your own name without mentioning us, the builder will refuse to pay the commission, and we will not be able to offer you the rebate.
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How and when do I receive the rebate money?
Your rebate is credited directly to you at closing. It will be fully documented on your official settlement statement (Closing Disclosure) by the title company, ensuring 100% transparency.
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What can I use the rebate for?
Subject to your lender's approval, the rebate can be used to dramatically reduce your out-of-pocket expenses. Most clients use it to pay for closing costs, buy down their interest rate, or cover premium design center upgrades. Note: Most lenders do not allow rebates to be used toward the base down payment.
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Does the rebate apply if I buy a pre-owned home instead?
Yes! If you decide to purchase an existing resale home anywhere in the Dallas-Fort Worth metroplex, AATRealty provides an up to 2% cash-back rebate on the purchase price.
Ready to Buy Your First Home?
Don't let the cost of buying a home hold you back. Let us help you find the right programs, negotiate the best deal, and put cash back in your pocket.