Texas Department of Housing & Community Affairs - Building Homes and Strengthening Communities

Texas Homeownership Division

Program Descriptions

My First Texas Home ("MFTH")
The My First Texas Home program offers mortgage loans at 30-year, fixed interest rates and down payment and/or closing cost assistance.

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

Texas Homebuyer U
Texas Homebuyer U is a free online tool designed to satisfy the homebuyer education requirement for TDHCAs First Time Homebuyer programs. TX HBU offers two courses: One is a comprehensive pre- and post-purchase tutorial which satisfies the education requirement for TDHCAs first time homebuyer programs; the other is an introductory course to its Texas Mortgage Credit Certificate (TX MCC) Program.

Texas Statewide Homebuyer Education Program (TSHEP)
Texas Statewide Homebuyer Education Program (TSHEP) is designed to work with local nonprofit organizations to teach the principles and applications of comprehensive pre- and post purchase homebuyer education, and to certify participants as homebuyer education providers.