Texas Homeownership Division
My First Texas Home
The My First Texas Home option offers mortgage loans at 30-year, fixed interest rates and down payment and/or closing cost assistance to eligible Texas first time homebuyers.
My Choice Texas Home
The My Choice Texas Home option offers mortgage loans at 30-year, fixed interest rates and down payment and/or closing cost assistance to income eligible first time and repeat homebuyers.
Texas Mortgage Credit Certificate Program
Get tax credits up to $2,000 per year based on the annual interest paid on a mortgage loan.
Texas Homebuyer U
Texas Homebuyer U is a free online tool designed to satisfy the homebuyer education requirement for TDHCA’s First Time Homebuyer programs. TX HBU offers two courses: One is a comprehensive pre- and post-purchase tutorial which satisfies the education requirement for TDHCA’s first time homebuyer programs; the other is an introductory course to its Texas Mortgage Credit Certificate (“TX MCC”) Program.
Texas Statewide Homebuyer Education Program (TSHEP)
Texas Statewide Homebuyer Education Program (TSHEP) is designed to work with local nonprofit organizations to teach the principles and applications of comprehensive pre- and post purchase homebuyer education, and to certify participants as homebuyer education providers.