Programs for First Time Homebuyers
My Choice Texas Home
Mortgage loans at 30-year, fixed interest rates with down payment and closing cost assistance – no first time homebuyer requirement!
The Texas Mortgage Credit Certificate Program
This program increases a family's disposable income by reducing its federal income tax obligation. The tax credit is valid for the term of the mortgage loan as long as the borrower occupies the property as their primary residence.
Texas Homebuyer U
This is a free, online tool designed to satisfy the homebuyer education requirement for TDHCA’s First Time Homebuyer programs. TX HBU offers two courses: One is a comprehensive pre- and post-purchase tutorial which satisfies the education requirement for TDHCA’s first time homebuyer programs; the other is an introductory course to its Texas Mortgage Credit Certificate (“TX MCC”) Program.