Ready to buy a home? The Texas Department of Housing and Community Affairs (TDHCA) offers 30-year fixed rate mortgage loans and down payment assistance for Texas home buyers of all professions.

First time home buyers may qualify for additional tax savings with mortgage interest tax credits from TDHCA!

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 are 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.