My First Texas Home – Down Payment & Closing Cost Assistance

About This Program

My First Texas Home provides 30-year fixed-rate mortgages with down payment and closing cost assistance of up to 5% of the loan amount to first-time homebuyers (or those who haven't owned in 3+ years) in Texas. Income and purchase price limits apply by county and household size. The program is paired with FHA, VA, USDA, or conventional loans and does not require repayment of the DPA if the home is kept for the required period.

On a $250,000 home, 5% DPA = $12,500 in assistance. Income limits vary by county and household size.

Key Details

• Up to 5% of loan amount as down payment assistance
• 30-year fixed-rate mortgage, competitive interest rate
• First-time buyers or those who haven't owned in 3+ years
• Income and purchase price limits apply for Dallas County
• Apply through TDHCA-approved lenders at welcomehome.tdhca.texas.gov

How to Apply

Deadline: Ongoing — apply through TDHCA-approved lenders