The Texas Department of Housing and Community Affairs (TDHCA) offers the My Choice Texas Home Program to eligible applicants. This program does not have a first-time homebuyer requirement.

It offers 30-year fixed rate mortgages as well as down payment and closing cost assistance for as much as 5% of the mortgage amount. Borrowers have the option of choosing either a government-backed or conventional mortgage. A list of lenders who participate in this program can be found on the TDHCA’s website.

In order to qualify for this program, individuals will have to meet specified income and purchase price limits and have a credit score of at least 620.

Other programs in Texas:

• My First Texas Home
• Hill Country Home Down Payment Assistance
• 5 Star Texas Advantage Program
• Home Star Program
• Homeownership Across Texas
• Homes for Texas Heroes Program

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