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 have not owned a home within the past three years, who meet program income guidelines and who do not exceed the program's purchase price limits are eligible to apply for a loan under the program. It's a fast, simple process - click the links below or contact a qualified lender to find out more.

• Step 1: Prequalify using our Mortgage Qualifier Tool
• Step 2: Find what types of properties are eligible for purchase
• Step 3: Gather your important documents
• Step 4: Review rates, fees, and requirements
• Step 5: Find a Lender / REALTOR® / Homebuyer Education Provider

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.