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Options for Texas Home Buyers

TDHCA offers home loan options that include down payment assistance and closing cost assistance for eligible home buyers of all professions



  • Options for first time home buyers and previous home owners
  • 30-year fixed interest rate mortgage loans
  • Down payment assistance and closing cost assistance up to 5% of the loan amount
  • Available to qualified home buyers from all professions
  • Available statewide through a network of participating lenders
  • Government (FHA, VA, USDA) loan products
  • Dollar-for-dollar reduction on federal tax liability through the Department’s Texas Mortgage Credit Certificate Program*

* Available to first time home buyers only. Buyers can maximize their benefits when they combine a Texas Mortgage Credit Certificate with a mortgage loan!


  • First time homebuyer, veteran or a homebuyer who has not owned a home within the past three years
  • Previous homeowners
  • Minimum credit score of 620
  • Income limits apply
  • Purchase price limits apply
  • Other requirements may apply

It's a fast, simple process – follow the links below or contact a participating lender to learn more.




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