Learn More About the Texas Department of Housing and Community Affairs (TDHCA)
My First Texas Home (Texas Homebuyer Program) and My Choice Texas Home (Texas Homebuyer Program)
TDHCA has two programs that offer a 30-year, low-interest rate mortgage, with up to 5% of the 1st Lien Mortgage amount to be used for down payment and closing cost assistance. My First Texas Home is available only to Veterans and First Time Homebuyers. My Choice Texas Home is available to Veterans and repeat Homebuyers.
HCHFC Down Payment Assistance (with TDHCA Only)
We are pleased to announce the down-payment assistance program (DAP) for Harris County to be used in conjunction with the TDHCA single-family mortgage program. (DAP is subject to available funds.)
Product Features
Harris County Service Area outside the City of Houston
My First Texas Home
- First-time homebuyers and veterans only
My Choice Texas Home
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- No first-time homebuyer requirement
- 30 years, 0% Interest 2nd Lien.
- 3-Year Forgivable 2nd Lien Available
- Flexible down payment and closing cost assistance available, up to 5% of the loan amount.
- Combine with Mortgage Credit Certificate MMC Option
- An additional $1,000 grant per household is available to eligible low-to-moderate- and middle-income homebuyers for down payment and closing cost assistance
Product Eligibility
- Minimum Credit Score = 620
- Meet household income limits.
- Meet property value limits.
- Be approved for a mortgage with one of The Texas Homebuyer Program-approved lenders.
- Other requirements may apply.
https://thetexashomebuyerprogram.com/products/my-first-texas-home
Program is subject to available funds.
https://thetexashomebuyerprogram.com/partnering-with-neighboring-texas-housing-finance-corporations
CLICK HERE to learn more about the TCHCA and the programs they offer or contact Rene Martinez at Rene.Martinez@csd.hctx.net for additional program information.