TDHCA My First Texas Home (Down Payment Assistance)
Texas Department of Housing and Community Affairs (TDHCA)
About This Program
The Grant Map catalogs TDHCA My First Texas Home (Down Payment Assistance) in its Austin, TX research directory. Directory placement does not confirm current service coverage or eligibility; verify both with the program administrator.
My First Texas Home provides 30-year fixed-rate mortgages paired with down payment and closing cost assistance of up to 5% of the loan amount through a second lien, either a 30-year deferred repayable lien or a 3-year forgivable lien. Available to first-time homebuyers (and qualified veterans purchasing any home) who meet IRS tax-exempt bond income requirements. Credit score minimum 620.
DPA = up to 5% of first mortgage amount. Austin area income limits approximately $103,500 for a 4-person household (115% AMI). Purchase price limits apply.
The cited general URL responded on 2026-07-21; it does not confirm this program or amount.
Record set last reviewed 2026-04-03. How we verify our data.
Other published resources for Austin, TX, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- GO REPAIR! Grant Program Up to $20,000
- Minor Home Repair Grant Program Up to $7,500
- Architectural Barrier Removal Program Up to $20,000
- Home Rehabilitation / Reconstruction Loan Program Up to $75,000 rehab / $350,000 reconstruction
Key Details
- 30-yr fixed mortgage + up to 5% DPA second lien
- 3-year forgivable or 30-year deferred second lien options
- First-time buyers only (veterans exempt from first-time requirement)
- Min. credit score 620; income limits vary by county
- Austin area 4-person income limit ~$103,500
How to Apply
Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
You may need a contractor or estimate
Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in Austin.
Get matched with a contractorOur record classifies the structure as a forgivable loan. Confirm repayment, forgiveness, residency, and any lien terms with the administrator.
Each administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.
Your application paperwork
Documents you will likely need
- Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
- A government-issued photo ID for every owner on title.
- Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
- Proof of military service (DD-214) and, for disability-based grants, your VA disability rating letter.
- A written estimate from a licensed contractor for the work (many programs require this to apply).
- Photos of the problem area or the work to be done.
- The program's own application form, completed (use the official link or phone number on this page).
Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Rolling
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Frequently asked questions
What amount is listed for TDHCA My First Texas Home (Down Payment Assistance) in Austin, TX?
The Grant Map record states: Up to 5% of loan as DPA (30-yr deferred or 3-yr forgivable). Confirm the current amount and eligible costs with the administrator.
What audience tags are recorded for TDHCA My First Texas Home (Down Payment Assistance) in Austin?
The record carries discovery tags. It carries a veteran-related tag. These tags do not establish eligibility; confirm the complete current rules with the administrator.
How do I apply for TDHCA My First Texas Home (Down Payment Assistance) in Austin, TX?
Confirm the application route directly with Texas Department of Housing and Community Affairs (TDHCA); use the cited source on this page as a starting point or call 512-475-3800. Confirm any fee or cost with the administrator.
Need a Contractor for This Project?
Browse local listings or request an introduction. The Grant Map does not guarantee licensing, program experience, work quality, or funding.
More ways to save on this project
Rebates and discounts that may reduce project cost. Confirm eligibility and coordination rules before including one in your budget.
Find More Programs in Austin, TX
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
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