State Program
Texas First-Time Homebuyer Programs
Texas offers several state-backed programs to support first-time homebuyers. From down payment assistance to affordable mortgage options, these programs are designed to make homeownership more attainable across the Lone Star State.
Program Details
Texas supports first-time homebuyers with a variety of programs administered by the Texas Department of Housing and Community Affairs (TDHCA) and the Texas State Affordable Housing Corporation (TSAHC).
Common offerings include:
- Texas Homebuyer Program – Mortgage loans with competitive rates
- My First Texas Home – Low-interest loans with down payment assistance
- Texas MCC Program – Mortgage Credit Certificates for tax savings
- TSAHC Programs – Help for low-to-moderate income and profession-based buyers (teachers, police, veterans)
These programs are designed to reduce the upfront costs of buying a home and help families achieve long-term housing stability.
Common offerings include:
- Texas Homebuyer Program – Mortgage loans with competitive rates
- My First Texas Home – Low-interest loans with down payment assistance
- Texas MCC Program – Mortgage Credit Certificates for tax savings
- TSAHC Programs – Help for low-to-moderate income and profession-based buyers (teachers, police, veterans)
These programs are designed to reduce the upfront costs of buying a home and help families achieve long-term housing stability.
Eligibility Requirements
- Must be a first-time homebuyer (no ownership in past 3 years), or a qualified veteran
- Meet income limits based on area median income (AMI)
- Property must be located in Texas and used as a primary residence
- Minimum credit score (often 620+)
- Must complete a homebuyer education course approved by HUD or TDHCA
- Meet income limits based on area median income (AMI)
- Property must be located in Texas and used as a primary residence
- Minimum credit score (often 620+)
- Must complete a homebuyer education course approved by HUD or TDHCA
Program Benefits
- Up to 5% in down payment assistance as a grant or second lien loan
- Reduced mortgage rates through preferred lenders
- Annual federal tax savings via the MCC program
- Programs available statewide — no need to buy in a specific city
- Special programs for educators, veterans, and healthcare workers
- Reduced mortgage rates through preferred lenders
- Annual federal tax savings via the MCC program
- Programs available statewide — no need to buy in a specific city
- Special programs for educators, veterans, and healthcare workers
How to Apply
- Check eligibility at TDHCA or TSAHC websites
- Select an approved lender or real estate agent
- Complete pre-approval and homebuyer education course
- Apply for assistance alongside mortgage loan application
- Finalize home purchase and funding at closing
- Select an approved lender or real estate agent
- Complete pre-approval and homebuyer education course
- Apply for assistance alongside mortgage loan application
- Finalize home purchase and funding at closing
Program Overview
Category
State Program
Maximum Assistance
$25,000
Official Program Website
Information about this program is provided as a resource and may be subject to change. Always verify details with the official program website.
Important Note
Program availability, terms, and requirements may vary by lender and location. Additionally, programs are subject to change based on policy updates and market conditions. Always consult with a mortgage professional for the most current information and to determine eligibility for specific programs.