Sign up for free homebuyer education classes as soon as possible. Call Janice Kinchion at 512-974-6001 or visit the Homebuyer Counseling page for more information about free classes called “Housing Smarts.”  The classes are required for anyone interested in Down Payment Assistance. After you complete the classes, then get approved for a mortgage loan through one of the DPA Participating Lenders posted on our website. Your lender will later complete a DPA application for you and submit it to us about 3 to 4 weeks before your closing.