Get informed.

The following documents apply to both the First Time Homebuyer and Mortgage Credit Certificate programs.

Income and Purchase Price Limits (PDF)
This document details the maximum purchase price amounts allowed to participate in the Program.

Targeted Area Census Tracts by County (PDF)
In accordance with program guidelines, the Texas First Time Homebuyer Program has funds set aside for targeted area loans. A Targeted Area is a census tract in which 70% or more of the families have incomes that are 80% or less of the statewide median income or an area of chronic economic distress. Homebuyers purchasing properties located in Targeted Areas do not have to be a first time homebuyer and purchase price and income limits are generally higher. Your lender or Realtor should be able to verify whether the property you are considering for purchase is located within a Targeted Area census tract. To find your census tract, use the GeoCoding tool at http://www.ffiec.gov/geocode/.

Texas First Time Homebuyer Program and Texas Mortgage Credit Program Documents and Tools

Marketing materials

Informative, 3-panel brochures describing the Texas First Time Homebuyer Program and the Texas Mortgage Credit Program are available in English and Spanish versions for your clients/borrowers! Each brochure includes the types of homes eligible under each program, four easy steps to becoming a homeowner using each program, and more!

To order copies, contact Cathy Gutierrez, Business Development Officer by email: cathy.gutierrez@tdhca.state.tx.us or by phone: (512) 475-0277.
Samples of 3-panel marketing brochures: English FTHB (PDF), English MCC (PDF), Spanish FTHB (PDF), Spanish MCC (PDF)

First Time Homebuyer Program and Texas Mortgage Credit Program Lender Locator
This tool allows you to find lenders that participate in the First Time Homebuyer (FTHB) Program and Texas Mortgage Credit (MCC) Program including contact information.