TDHCA My Choice Texas Home
TDHCA My Choice Texas Home is a deferred 2nd 0% 25-yr from TDHCA. Available statewide in Texas. Up to $25,000 toward a home purchase. First-time buyer status is not required. Income limit: 100% AMI by county.
Up to $25,000
Listed as open as of May 2026
Available statewide in Texas.
| First-time buyer | Not required |
|---|---|
| Income limit | 100% AMI by county |
| Minimum credit score | 640 |
| Maximum DTI | 51% |
| Homebuyer education | Required (HFA-approved (Framework, eHome, NeighborWorks, etc.)) |
| Occupations | Statewide TX |
| Property types | SFR, condo, townhome |
| Occupancy | Owner-occupied primary |
| Eligible loan products | Conv/FHA |
| Sales price cap | Per county |
| Repayment | 0% deferred 25-yr |
| Stacking | Pairs with TDHCA + MCC |
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.
Provider: TDHCA · program details at the provider’s site.
See if TDHCA My Choice Texas Home fits your purchase
Tell Cal how to reach you and a licensed loan officer will walk through this program, what it stacks with, and what you would actually qualify for. No spam, no list-selling.
More Texas programs
-
Grant · Up to $10,000
-
Deferred 2nd 0% 30-yr · Up to $30,000
-
Deferred 2nd 0% 30-yr · Up to $35,000
-
Deferred 2nd 0% 30-yr · Up to $25,000
-
Deferred 2nd 0% 30-yr · Up to $20,000
-
Deferred 2nd 0% 30-yr · Up to $22,000
-
30-year fixed first mortgage + DPA (grant or 2nd lien) · Amount varies by program
-
30-year fixed first mortgage + DPA (grant or 2nd lien) · Up to 5%