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Where Texas’ best interest rates call home.

Begin a lifetime of homeownership through My First Texas Home. This program allows qualified Texans access to competitive interest rate home loans and down payment and closing cost assistance. Homebuyers who meet the following minimum requirements are eligible to apply for a loan under the program:

  • First time homebuyer or a homebuyer who has not owned a home as primary residence within the past three years;
  • Homebuyer(s) income does not exceed program's income limit guidelines
  • Purchase price of home does not exceed program's purchase price limit guidelines
  • Credit Score/DTI Requirements
    • Government Loans (FHA, VA, USDA):
      • Minimum 640;
      • Max DTI - 45% (effective on loan reservations beginning June 2, 2014)
      • Max DTI for FICO score of 660 or greater – 50%
    • FNMA HFA Preferred Loans:
      • Minimum 640 for LTVs 95% or lower;
      • Minimum 680 for LTVs 95.01-97%
      • Max DTI - 45% (applies to HFA Preferred only)

It's a fast, simple process - follow the links below or contact a qualified lender to find out more.

My First Texas Home also provides down-payment/closing cost assistance to eligible homebuyers.

To verify the area median family income (AMFI) figure for your area of the state, please check the Maximum Income and Purchase Price Limits Table (PDF). To determine if downpayment assistance funds are available, please visit the Available Funds page.

If you are a current homeowner concerned about foreclosure, visit Foreclosure Prevention for helpful resources.

Visit Related Programs for information on other Homebuyer Programs offered by the Texas Department of Housing and Community Affairs.


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*30-year fixed annual percentage rate loan with 5% down payment on a $120,000 loan. Effective 06/27/14. Offer may terminate at any time without notice. Rate and annual percentage rate (APR) calculated on a 365 day year with mandated closing costs (2% origination and $400 program related fees). Rates/APRs subject to change with changes in closing costs. Properties and applicants must qualify. Other restrictions may apply. 221 E. 11th Street, Austin, Texas 78701, 800-792-1119.

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