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My First Texas Home

Administered by:
Texas Department of Housing and Community Affairs (TDHCA)
 · State · Forgivable Loan
Funding status: Active

How much assistance

Up to 5% of the first lien mortgage amount
0% interest second lien forgiven after 3 years, or deferred for up to 30 years with no interest. Also available as a grant that does not need to be repaid.

Eligibility

  • Income limits: Varies by county and household size, ranging from approximately $63,040 to $163,520 depending on location and loan type.
  • First-time buyer required: Yes — Must not have owned a home in the past 3 years. Exceptions available in targeted areas and for qualified veterans.
  • Credit score minimum: 620
  • Geographic restrictions: Available statewide in Texas.
  • Homebuyer education required: Yes

How to Apply for My First Texas Home

Complete a TDHCA-approved homebuyer education course, then work with a participating lender to apply for the mortgage and down payment assistance together.

Learn More About Homebuying in Texas

Cities Where This Program Is Available (117 cities across 1 state)

Texas (117 cities)

Available Statewide In