You’ve taken the first step toward the purchase of your first 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 first time 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 »

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 »

Program Highlights
- Homebuyers may combine TDHCA programs for maximum benefit!
- TDHCA’s programs are available statewide.
- The first time homebuyer requirement is waived for veterans.
- Households who have not owned a home in the previous three years may qualify.
- A homebuyer education course is required.

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