My First Texas Home Program
My First Texas Home Program is a 30-year fixed first mortgage + dpa (forgivable 2nd lien) from Texas Department of Housing and Community Affairs (TDHCA). Available statewide in Texas. Up to 5% toward a home purchase. For first-time buyers. Income limit: Approx $97,000 (1-2 person) / $111,550 (3+ person) in most counties; higher in Austin/Dallas.
Up to 5%
Listed as open as of May 26, 2026
Available statewide in Texas.
| First-time buyer | Required |
|---|---|
| Income limit | Approx $97,000 (1-2 person) / $111,550 (3+ person) in most counties; higher in Austin/Dallas |
| Minimum credit score | 640 |
| Homebuyer education | Required |
| Occupations | Any; veterans exempt from first-time buyer requirement |
| Sales price cap | Varies by county; generally $350,000-$500,000 |
| Forgivable | Yes |
| Amount notes | Up to 5% of loan amount as DPA (used for down payment/closing costs) |
| Notes | Pairs with FHA, VA, USDA, or conventional first mortgage. |
| Phone | 1-800-792-1119 |
Provider: Texas Department of Housing and Community Affairs (TDHCA) · program details at the provider’s site.
See if My First Texas Home Program fits your purchase
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More Texas programs
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Grant · Up to $10,000
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Deferred 2nd 0% 30-yr · Up to $30,000
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Deferred 2nd 0% 25-yr · Up to $25,000
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Deferred 2nd 0% 30-yr · Up to $35,000
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Deferred 2nd 0% 30-yr · Up to $25,000
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Deferred 2nd 0% 30-yr · Up to $20,000
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Deferred 2nd 0% 30-yr · Up to $22,000
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30-year fixed first mortgage + DPA (grant or 2nd lien) · Amount varies by program