Homeownership Programs

My First Texas Home – First time Home buyer

Mortgage loans at 30-year, fixed interest rates and down payment and/or closing cost assistance.

Visit the My First Texas Home Program page »

My Choice Texas Home – Previous Home buyer

Mortgage loans at 30-year, fixed interest rates with down payment and closing cost assistance – no first time homebuyer requirement!

Visit the My Choice Texas Home Program page »

Texas Mortgage Credit Certificate Program – First Time Home Buyer

Tax credits are based on the annual interest paid on a mortgage loan. Visit the Texas Mortgage Credit Certificate Program page �


  • Options for first time home buyers and previous home owners
  • 30-year fixed interest rate mortgage loans
  • Down payment assistance and closing cost assistance up to 5% of the loan amount
  • Available to qualified home buyers from all professions
  • Available statewide through a network of participating lenders
  • Government (FHA, VA, USDA) loan products
  • Dollar-for-dollar reduction on federal tax liability through the Department’s Texas Mortgage Credit Certificate Program*

* Available to first time home buyers only. Buyers can maximize their benefits when they combine a Texas Mortgage Credit Certificate with a mortgage loan!


  • First time homebuyer, veteran or a homebuyer who has not owned a home within the past three years
  • Previous homeowners
  • Minimum credit score of 620
  • Income limits apply
  • Purchase price limits apply
  • fOther requirements may apply


It’s a fast, simple process – follow the links below or contact a participating lender to learn more.

Need A Little More Help? Here are some brief FREE courses that will help you understand the important phases of homebuying 

Texas Homebuyer U

This 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.