The Texas Homebuyer Program website is undergoing a change! The new site is coming soon, so please be sure to visit us when it launches. In the meantime, content on this site may be outdated; we recommend you contact the Homebuyer team if you have any questions. They can be reached at (800) 792-1119.
Attention Homeowners affected by Covid-19: TDHCA suggest homeowners who are affected by Covid-19 to contact their loan servicer (where mortgage payment goes) to see if they qualify for a reduced or suspended payments. Additional information can be found by visiting HUD/FHA at https://www.hud.gov/program_offices/housing/
sfh/owning, Fannie Mae at https://www.knowyouroptions.com/
covid19assistance or Freddie Mac at https://www.freddiemac.com/
Ready to buy a home? The Texas Department of Housing and Community Affairs (TDHCA) offers 30-year fixed rate mortgage loans and down payment assistance for Texas home buyers of all professions.
First time home buyers may qualify for additional tax savings with mortgage interest tax credits from TDHCA!
Our Homeownership Programs
My First Texas Home
Mortgage loans at 30-year, fixed interest rates and down payment and/or closing cost assistance.
Visit the My First Texas Home Program page »
My Choice Texas Home
Mortgage loans at 30-year, fixed interest rates with down payment and closing cost assistance – no first time homebuyer requirement!
Visit the My Choice Texas Home Program page »
Texas Mortgage Credit Certificate Program
Tax credits are based on the annual interest paid on a mortgage loan. Visit the Texas Mortgage Credit Certificate Program page »
How to Apply
To apply for either program, contact a participating lender near you.