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Help for Texans
  • If you or someone you know is in need of assistance, please visit our Help for Texans page.

My First Texas Home ("MFTH")

The My First Texas Home (MFTH) program offers budget friendly home loans and down payment assistance and closing cost assistance of up to 5 percent of the mortgage loan, a welcome boost for many low income first time homebuyers.

Buyers can also maximize their benefits of owning a home by combining a My First Texas Home (MFTH) loan with the Department’s Texas Mortgage Credit Certificate Program! The Texas Mortgage Credit Certificate features a dollar-for-dollar reduction on a homebuyer’s federal tax liability.

Find out if you’re eligible:

  • Use the TDHCA Maximum Income and Purchase Price Limits Table to determine if you qualify based on income requirements.
  • Use the TDHCA Eligibility Review Tool to see what your monthly payments could total

To learn more, contact a participating lender near you or call toll-free 800-792-1119.

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