My First Texas Home (Texas Homebuyers Program)

About This Program

The TDHCA My First Texas Home program provides first-time homebuyers and qualifying veterans with a 30-year, fixed-rate mortgage at competitive rates plus down payment and closing cost assistance of up to 5% of the loan amount as a 0% deferred or forgivable second lien. Income limits are set at 115% of AMI, varying by county and household size.

Income ≤ 115% AMI; first-time buyer or no ownership in prior 3 years (veterans exempt)

Key Details

• First-time homebuyers or veterans (no prior ownership requirement for vets)
• Income ≤ 115% AMI — approximately $103,500 for family of 4 in Bexar County
• Down payment/closing cost assistance up to 5% of loan amount at 0% interest
• 30-year fixed-rate mortgage through participating lenders
• Contact TDHCA: 800-792-1119 or welcomehome.tdhca.texas.gov

How to Apply

Deadline: Open — apply through participating lenders