Texas First-Time Homebuyer Programs

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.

• 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

• 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

• 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