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Texas program

TDHCA My First Texas Home

Texas route through Texas Department of Housing and Community Affairs. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

Multiple assistance options Forgivable if occupancy holds 2026-04-19
Agency Texas Department of Housing and Community Affairs
Support type Multiple assistance options
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 stays free on this program page

Quick answer from published facts. Use this first, then jump to Go to Texas program hub if you need the wider state context.

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

Multiple assistance options

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

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

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.

Application timing

TDHCA lenders reserve loans in the lender portal on business days. Best practice is to reserve no sooner than 15 days before closing; the post-closing compliance package should be submitted within 3 to 5 calendar days after closing, and the loan must be purchased within 60 calendar days of reservation.

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

Paid preview

What paid access adds for TDHCA My First Texas Home

See the shape of the comparison output, risk checks, lender questions, and next-step checklist before you decide whether this program is worth carrying into the paid layer.

Example paid output for this program. The free page stays visible either way.

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

Timing: TDHCA lenders reserve loans in the lender portal on business days. Best practice is to reserve no sooner than 15 days before closing; the post-closing compliance package should be submitted within 3 to 5 calendar days after closing, and the loan must be purchased within 60 calendar days of reservation.

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

  • Is your team approved to originate TDHCA My First Texas Home for this household and loan setup?
  • Which events trigger repayment for TDHCA My First Texas Home: sale, refinance, transfer, non_owner_occupancy?

Action checklist preview

What you would do next

  • Review the official Program page for TDHCA My First Texas Home
  • Ask whether your lender is approved for this exact program and loan structure.
Open the full Texas board

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.

5 tracked deeper records

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What unlocks after payment

Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.

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 after the free facts

This page stays free for public facts. Paid access turns this program into a shortlist item, a related-path decision layer, risk checks, lender-call prep, and a next-step queue.

If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback and what to do next.

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Full state board

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