Ready to buy a home? The Texas Department of Housing and Community Affairs (TDHCA) offers 30-year fixed rate mortgage loans and down payment assistance for Texas home buyers of all professions.

Qualifying first time home buyers may also save up to $2000 per year with mortgage interest tax credits from TDHCA!

Our Homeownership Programs

My First Texas Home
Mortgage loans at 30-year, fixed interest rates and down payment and/or closing cost assistance.
Visit the My First Texas Home Program page »

My Choice Texas Home
Mortgage loans at 30-year, fixed interest rates with down payment and closing cost assistance – no first time homebuyer requirement!
Visit the My Choice Texas Home Program page »

Texas Mortgage Credit Certificate Program
Tax credits up to $2,000 per year based on the annual interest paid on a mortgage loan. Visit the Texas Mortgage Credit Certificate Program page »

How to Apply
To apply for either program, contact a participating lender near you.