Texas Mortgage Credit Certificate Program (TDHCA)
Texas Mortgage Credit Certificate Program (TDHCA) is a federal income tax credit from Texas Department of Housing and Community Affairs (TDHCA). Available statewide in Texas. For first-time buyers. Income limit: Per TDHCA county-based limits.
Amount varies by program
Listed as open as of May 26, 2026
Available statewide in Texas.
| First-time buyer | Required |
|---|---|
| Income limit | Per TDHCA county-based limits |
| Minimum credit score | 640 |
| Homebuyer education | Required |
| Occupations | Any; veterans exempt |
| Sales price cap | Varies by county |
| Amount notes | Annual federal tax credit (percentage of mortgage interest) |
| Notes | Often combined with My First Texas Home or My Choice Texas Home. |
| Phone | 1-800-792-1119 |
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.
Provider: Texas Department of Housing and Community Affairs (TDHCA) · program details at the provider’s site.
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