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.
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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:
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Texas Homebuyer Program – Mortgage loans with competitive rates
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My First Texas Home – Low-interest loans with down payment assistance
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Texas MCC Program – Mortgage Credit Certificates for tax savings
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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
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Must be a first-time homebuyer (no ownership in past 3 years), or a qualified veteran
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Meet income limits based on area median income (AMI)
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Property must be located in Texas and used as a primary residence
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Minimum credit score (often 620+)
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Must complete a homebuyer education course approved by HUD or TDHCA
Program Benefits
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Up to 5% in down payment assistance as a grant or second lien loan
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Reduced mortgage rates through preferred lenders
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Annual federal tax savings via the MCC program
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Programs available statewide — no need to buy in a specific city
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Special programs for educators, veterans, and healthcare workers
How to Apply
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Check eligibility at TDHCA or TSAHC websites
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Select an approved lender or real estate agent
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Complete pre-approval and homebuyer education course
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Apply for assistance alongside mortgage loan application
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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.
Related Resources
*Details are in the Mortgage Calculator*
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Licensed Mortgage Loan Officers
These mortgage professionals are licensed to operate in texas and can help you navigate the application process for this program. They can answer your questions about eligibility, required documentation, and help you find the best financing options.
Licensed Mortgage Loan Officers in texas
Connect with experienced mortgage professionals who can guide you through the home buying process and help you find the right loan program.
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Contact SupportWhy work with a licensed mortgage loan officer?
Licensed mortgage loan officers have extensive knowledge of available programs, especially those for first-time homebuyers. They can help you navigate complex eligibility requirements and find the best financing options for your specific situation.
Disclaimer
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. The information provided on this website is for general informational purposes only and does not constitute financial, legal, or professional advice.