Texas Department of Housing & Community Affairs - Building Homes and Strengthening Communities

Media Contact:
Kristina Tirloni 512-475-4743

Public Inquiries:
TDHCA Housing Resource Center


Mailing Address:
Public and Policy Affairs
P.O. Box 13941
Austin, Tx 78711

Physical Address:
221 East 11th Street
Austin, Tx 78701

TDHCA Press Room

State housing agency offers unparalleled 3.75% mortgage loan rate on FHA, VA, USDA Government Loans for first time homebuyers

The Texas Department of Housing and Community Affairs is pleased to announce that its My First Texas Home (MFTH) Program has made available nearly $144 million for Texas homebuyers to use when purchasing their first home. Qualifying homebuyers can take advantage of some amazing mortgage loan rates for FHA, VA, and USDA government loans.

  • 3.75% mortgage rate
    • Up to $29 million available
    • No Down Payment Assistance provided
    • First come, first served basis
  • 5.43% mortgage loan
    • $115 million available
    • Down Payment Assistance available (4 points provided through a 30 year, fixed rate, non-amortizing, 0% interest second loan that is due on sale of property or refinance of mortgage loan)

Qualified individuals must have a minimum FICO score of 620 and cannot have had ownership of a residence in Texas within the past three years. Exceptions are available for veterans and with respect to homes purchased within federally designated targeted areas.

Learn more by contacting a MFTH participating lender.



News Releases

News releases are developed by the Communications and Marketing section of the Division of Policy and Public Affairs to publicize TDHCA program activities. These include application funding cycles, program grant awards, special events, board activities, and other relevant information.