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My First Texas Home Program

Home loans, down payment assistance and closing cost assistance with mortgage tax credit option for eligible first time home buyers of all professions

Features

  • Available to first time homebuyers, veteran or a homebuyer who has not owned a home within the past three years
  • 30-year fixed interest rate mortgage loans
  • Down payment assistance and closing cost assistance up to 5% of the loan amount
  • Available to qualified home buyers from all professions
  • Available statewide through a network of participating lenders
  • Government Loans (FHA, VA, USDA) and Conventional (FNMA HFA Preferred) loan products
  • Option for dollar-for-dollar reduction on federal tax liability through the Department’s Texas Mortgage Credit Certificate Program*

* Available to first time homebuyers only. Buyers can maximize their benefits when they combine a Texas Mortgage Credit Certificate with a mortgage loan!

Eligibility

  • First time homebuyer, veteran or a homebuyer who has not owned a home within the past three years
  • Income limits apply
  • Purchase price limits apply
  • Minimum credit score of 620
  • Other requirements may apply

Contact a participating lender for specific details and information.

 

   
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