TDHCA My First Texas Home, Down Payment Assistance

Texas Department of Housing and Community Affairs (TDHCA)

Available Home Repair

About This Program

The Grant Map catalogs TDHCA My First Texas Home, Down Payment Assistance in its Houston, TX research directory. Directory placement does not confirm current service coverage or eligibility; verify both with the program administrator.

TDHCA's My First Texas Home program provides down payment and closing cost assistance of up to 5% of the mortgage loan amount as a 0%-interest lien, either forgivable over 3 years or deferred for 30 years. The program pairs with a Mortgage Credit Certificate (MCC) offering a 40% annual tax credit on mortgage interest (up to $2,000/year). Available to eligible first-time buyers and veterans statewide including the Houston area.

5% DPA on a $300,000 loan = $15,000 assistance. MCC provides $2,000/year federal tax credit.

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 Houston, TX, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:

Key Details

  • First-time homebuyer or veteran (no 3-year prior ownership)
  • Income and purchase price limits apply (check TDHCA limits by county)
  • 30-year fixed-rate mortgage required
  • 0% interest DPA lien; forgivable at 3 years or deferred 30 years
  • Mortgage Credit Certificate: 40% annual tax credit on mortgage interest, up to $2,000/yr

How to Apply

Review possible next steps Open Cited Source Track this program

Program phone: 800-829-1040

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.

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Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in Houston.

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Our 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).
Download this checklist (PDF)

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: Application schedule not listed

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Frequently asked questions

What amount is listed for TDHCA My First Texas Home, Down Payment Assistance in Houston, TX?

The Grant Map record states: Up to 5% of loan amount as DPA (plus 40% MCC tax credit). 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 Houston?

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 Houston, 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 800-829-1040. Confirm any fee or cost with the administrator.

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Find More Programs in Houston, 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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