You’ve taken the first step toward the purchase of a Texas home, and the Texas Department of Housing and Community Affairs (“TDHCA”) would like to assist you in this effort. TDHCA has a long track record as a safe, trustworthy source of homebuyer assistance with over 30 years of experience and expertise in working with low- to moderate-income Texas homebuyers.

Our Homeownership Programs

My First Texas Home
Mortgage loans at 30-year, fixed interest rates and down payment and/or closing cost assistance.
Visit the My First Texas Home Program page »

My Choice Texas Home
Mortgage loans at 30-year, fixed interest rates with down payment and closing cost assistance – no first time homebuyer requirement!
Visit the My Choice Texas Home Program page »

Texas Mortgage Credit Certificate Program
Tax credits up to $2,000 per year based on the annual interest paid on a mortgage loan. Visit the Texas Mortgage Credit Certificate Program page »

How to Apply
To apply for either program, contact a participating lender near you.