TDHCA

First Time Homebuyer Programs

Family in front of home

My First Texas Home (TMP 79)

This program helps low-to-moderate income homebuyers purchase their first home.

Mortgage loans with down payment and closing cost assistance are available. The amount of assistance is 5% of the mortgage amount. For example, $5,000 of assistance is available on a $100,000 mortgage. The 1st lien mortgage loans are available at competitive interest rates. Check today's rates.

Texas Mortgage Credit Certificate (MCC) Program

An MCC allows the homebuyer to claim up to $2,000 annually as a tax credit toward their federal income tax liability.

These 2 programs may be combined to maximize the benefit to the homebuyer.

To apply for either or both programs, contact a participating lender near you.
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Or, learn more about these exciting first time homebuyer programs.