Texas First Time Home Buyer Grants and Loan Programs





Texas first time home buyer grants and loan programs - The Texas Department of Housing and Community Affairs (TDHCA) offers programs for first time home buyers.

TDHCA's program provides below market interest rate home loans/mortgages through a network of participating lenders to eligible home buyers that purchase their first home. The home buyers must be first time home buyers or buyers that have not owned a home in the past three years.

The two home loans/mortgages available are:

An Unassisted Rate loan offers a lower interest rate available and does not provide funds for downpayment and closing cost assistance.

For home buyers that need assistance with the downpayment, an Assisted Rate home loan/mortgage is available to eligible borrowers (meeting income requirements) and provides a grant of up to 5% of the home loan/mortgage amount. These loans are offered at a slightly higher interest rate.

To see if you qualify for these programs, go to the TDHCA website for more information.







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