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Add Value for your Borrowers

The Texas Homebuyer Program pro­vides Lenders the best tools and resources to mas­ter our programs and offerings. Through down payment and closing cost assistance and the mortgage credit certificate program, we help you add the best value to your borrowers’ bottom line.

We are backed by the Governor and the Legislature of the State of Texas to provide safe, decent, and affordable housing for all Texans. Because of this, we can say yes, when other down payment assistance programs cannot. 

The Texas Homebuyer Program is dedicated to helping our Lenders succeed by offering continual support and guidance. 

Loan Reservation System


  • Cre­den­tials and Train­ing are required to make online reservations. 
  • Cre­den­tial Requests should be com­mu­ni­cat­ed solely by the Lender Corporate Office. 
  • Each Corporate Office will have Administration Rights to issue Lender Portal Credentials to staff, after being approved by both TDHCA and the Master Servicer as a Participating Lender.
  • If your company has any questions regarding loan support or lender credential training please contact Hilltop Securities at :TDHCALenderSupport@​HilltopSecurities.​com

Loan Reservation Updates or Changes

  • ALL reser­va­tion changes or loan ques­tions need to be com­mu­ni­cat­ed via TDHCALenderSupport@​HilltopSecurities.​com for the fastest response.
  • If you have an update to an existing reservation, please include a copy of your existing loan confirmation and include the loan number and address in the subject line to help expedite your request. Thank you in advance!
  • Please allow for up to 48 hours turn­around.
  • Lender Hotline: 2149534176

Guide­line Questions

Become One of our Trusted Lenders

Participation Benefits for Lenders

  1. Affordable interest rates
  2. Highest Lender compensation in the State
  3. Continuous Down-Payment assistance funding available statewide
  4. Dedicated Lender hotline

Lender Resources

To be accepted into The Texas Homebuyer Program, qualified Lenders must:

be either:

  • a Federal Housing Administration (“FHA”) approved;
  • an eligible Lender in good standing for Veteran’s Administration (“VA”); or
  • an eligible Lender in good standing for Rural Housing Service’s (“RHS”) guaranteed rural housing loan program
  • Fannie Mae (FNMA) or Freddie Mac (FMHLC) approved (Conventional loan currently only available under the Texas MCC stand-alone option)
  • agree to originate mortgage and assign mortgage and servicing to the Master Servicer (not applicable to Texas MCC stand-alone)
  • originate, process, underwrite, close and fund originated loans in your own name (not applicable to Texas MCC stand-alone)
  • must be approved/​active Seller/​Servicer with programs Master Servicer, Idaho HFA (not applicable to Texas MCC stand-alone)

Does the Lender have to pay a participation fee?

No, a participation fee is not required. All funds are distributed on a first-come, first-served basis.

What are the allowable fees a Lender can charge on a My First Texas Home or My Choice Texas Home loan?

Lenders are allowed to charge the following fees:

  • Fee’s to Master Servicer: $150 Loan Review and Application Fee; $85 Tax Service Fee;
  • Compliance Fee to Program Administrator, Hilltop Securities, $225
  • Other Closing Costs including appraisal fee, credit report fee, survey fee, title insurance fee, etc. (must be fully disclosed on Loan Estimate and Closing Disclosure in accordance with agency policies)

How often are funds made available under the program?

TDHCA strives to have funds available at all times. All funds are available on a first-come, first-served basis.

How many Lenders participate in the program?

Approximately 218 lending institutions participate with branch offices located throughout the state.

Can other down payment assistance programs be used in conjunction with this program?

Yes, other down payment assistance programs may be used if approved by our Master Servicer (Idaho HFA). Many communities within Texas operate programs at the local level that may be used.

If a Lender gets approved for My First Texas Home/​My Choice Texas Home does this automatically approve them to participate in the Texas Mortgage Credit Certificate (MCC) Program?

No, a separate application must be completed to participate in the Texas MCC Program.

Can the Texas MCC Program and My First Texas Home be combined?


Can a Lender service the loans they originate under this program?

No, all of our loans are sold to and serviced by our Master Servicer (Idaho HFA).