The Texas Department of Housing and Community Affairs (TDHCA) offers the My First Texas Home Program to eligible applicants. This program is meant for first-time homebuyers, homebuyers who have not owned a house for three years or more, and veterans. 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.

A list of lenders who participate in this program can be found on the TDHCA’s website.

My First Texas Home can be combined with the Texas Mortgage Credit Certificate Program to allow first-time homebuyers to save on their federal income taxes.

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 Choice 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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