The dream of homeownership begins with preparation and understanding the benefits and challenges that come with the responsibilities of owning your own home. It’s never too early to prepare!

TDHCA has the resources to help you get started. 

Take a Class

While there are many choices for a home buyer education course, TDHCA recommends one of the following courses and will require a completion certificate from one of the course providers below or another HUD Certified Home buyer Education provider in order to access the State of Texas (TDHCA) down payment and closing cost assistance.

Home buyer education is a great starting point to help you learn more about the process of applying for a mortgage, what costs are associated with qualifying for a mortgage loan and what options you have to consider along the way. Taking a course even before talking with a mortgage loan officer is a great first step to help you write down questions to discuss with your loan advisors and be involved in the one of the most important financial decisions you may make. It’s an exciting time and preparation is the key to success!

Finally Home — Click Here to Register

Finally Home! covers everything from the affordability of homeownership to information about loan types, closing costs, budgeting, and home maintenance. The course sets up first-time homebuyers, as well as move-up homebuyers, for success and sustainable homeownership through pre-purchase education and a post-purchase toolkit full of valuable resources. The industry-leading program, life-of-loan counseling, and HUD-certified housing counselors make Finally Home! the best choice for lending partners and first-time homebuyers. Classes are available on a sliding scale basis determined by your current income upon registration.

Save money

Taking Finally Home! will help you qualify for down payment assistance, a lower interest rate, reduced mortgage insurance rates, and ultimately lower monthly mortgage.

Stellar support

We’re here for you with ²⁴⁄₇ chat and email support and one-on-one unbiased advice from our HUD-approved counselors before and after you buy a home.

Lifetime learning

Graduates have free access to our Homeowner’s Toolkit, which is frequently updated with real-world tips for home maintenance, budgeting and more.

or you may Choose From:

• Freddie Mac CreditSmart® Homebuyer U : Freddie Mac CreditSmart
• HomeView Homebuyer Education | Fannie Mae
  
• Becoming a Homeowner” available through Texas Homebuyer U — http://​edu​ca​tion​.myFirst​tex​as​home​.com/