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My First Texas Home

Congratulations, you have reached a point in your life where you are ready for homeownership. My First Texas Home is available only to Veterans and First Time Homebuyers.

We offer a 30-year, low-interest rate mortgage with up to 5% of the 1st Lien Mortgage amount, that can be used for down payment and closing cost assistance.

You can buy a home!

Let us show you the way.

Product Features

Proudly sponsored by the Great State of Texas

Available statewide

First time homebuyers and veterans only

30 years, 0% Interest 2nd Lien

3-Year Forgivable 2nd Lien Available

Flexible down payment and closing cost assistance available, 2%, 3%, 4% and 5% of loan amount

Combine with Mortgage Credit Certificate MCC Option

Believe Welcome Mat

For Homebuyers

Homeownership is closer than you think. Don’t be intim­i­dat­ed by any indus­try jar­gon. We are here to help you through your homebuyer jour­ney. Fol­low our sim­ple 3 step process and reach out to our Lender and Coun­selor net­work today!

Product Eligibility

Must be a first time homebuyer (Have not owned a home in the past 3 years)

Minimum Credit Score = 620

Meet income limits

Meet property value limits

Be approved for a mortgage with one of The Texas Homebuyer Program approved lenders

Other requirements may apply

Happy couple blue shirts

For Lenders

Thank you for your inter­est in find­ing out what The Texas Home­buy­er Pro­gram has to offer. You will find that our team has a very easy on-board­ing process for you. We are not just anoth­er pro­gram, we are The Great State of Texas. Learn how to join our lender net­work here.