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Texas program

TDHCA My First Texas Home

Texas route through Texas Department of Housing and Community Affairs. Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.

Fixed-rate first mortgage with optional deferred or forgivable second-lien assistance Forgivable if occupancy holds 2026-04-19
Agency Texas Department of Housing and Community Affairs
Support type Fixed-rate first mortgage with optional deferred or forgivable second-lien assistance
Amount highlight Up to 5% of the mortgage loan for down payment and closing cost assistance on assisted My First Texas Home options. The program also has an unassisted first-lien option with no DPA second lien.
Last verified 2026-04-19

Decision-ready public facts

What this program appears to offer

Quick answer from published facts. Go to Texas program hub

Amount

Up to 5% of the mortgage loan for down payment and closing cost assistance on assisted My First Texas Home options. The program also has an unassisted first-lien option with no DPA second lien.

Type

Fixed-rate first mortgage with optional deferred or forgivable second-lien assistance

Repayment

For the 30-year DPA second lien, repayment is due upon sale, refinance, transfer, payoff of the first lien, or if the home is no longer the primary residence. For the 3-year forgivable DPA second lien, the lien is forgiven at the 3-year anniversary if the first lien is current and the property remains the primary residence; otherwise it becomes due upon sale, refinance, transfer, or payoff of the first lien.

First-time buyer

Unknown

Program guide

What to know before you click through

Use the public facts first. Open the official source when a detail affects eligibility, repayment, or lender choice.

Who qualifies?

First-time homebuyers, Qualified veterans, Buyers in targeted areas

What support do you get?

Up to 5% of the mortgage loan for down payment and closing cost assistance on assisted My First Texas Home options. The program also has an unassisted first-lien option with no DPA second lien.

Do you repay it?

For the 30-year DPA second lien, repayment is due upon sale, refinance, transfer, payoff of the first lien, or if the home is no longer the primary residence. For the 3-year forgivable DPA second lien, the lien is forgiven at the 3-year anniversary if the first lien is current and the property remains the primary residence; otherwise it becomes due upon sale, refinance, transfer, or payoff of the first lien.

How do you apply?

Complete approved homebuyer education, take the Eligibility Quick Check, and get connected with a TDHCA Approved Loan Officer or participating lender.

Official source evidence

TDHCA consumer materials say My First Texas Home offers 30-year low-interest mortgages plus optional down payment assistance up to 5% of the mortgage loan, with education and lender intake required.

View official source

Last verified

2026-04-19

2026-04-06

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What paid access adds for TDHCA My First Texas Home

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Comparison preview

TDHCA My First Texas Home

Amount: Up to 5% of the mortgage loan for down payment and closing cost assistance on assisted My First Texas Home options. The program also has an unassisted first-lien option with no DPA second lien.

Repayment: For the 30-year DPA second lien, repayment is due upon sale, refinance, transfer, payoff of the first lien, or if the home is no longer the primary residence. For the 3-year forgivable DPA second lien, the lien is forgiven at the 3-year anniversary if the first lien is current and the property remains the primary residence; otherwise it becomes due upon sale, refinance, transfer, or payoff of the first lien.

First-time buyer: Unknown

Risk checks preview

What gets flagged before you call a lender

  • TDHCA My First Texas Home requires a participating lender.
  • TDHCA My First Texas Home can trigger repayment on sale or refinance.

Lender questions preview

Questions tied to this exact path

  • Does TDHCA My First Texas Home require a participating lender for this household and loan setup?
  • What occupancy period must be completed before TDHCA My First Texas Home is forgiven after 360 months?

Action checklist preview

What you would do next

  • Confirm whether TDHCA My First Texas Home requires a participating lender.
  • Review the official Program page for TDHCA My First Texas Home.
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Paid research preview

What paid research already covers in Texas

Paid research already tracks city and county programs, public employee or pension paths, specialty and conditional paths for Texas.

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What unlocks after payment

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1 tracked

city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

1 tracked

public employee or pension paths

Public employee or pension-backed mortgage angles that need slower source review.

3 tracked

specialty and conditional paths

Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.

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Private workspace

What paid access adds to this program

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Decision output

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