Down-payment support
Eligibility and structure depend on the complete borrower, property and transaction profile.
Home / Loan programs / TDHCA Programs
Down-Payment Assistance
TDHCA Programs
Texas Department of Housing and Community Affairs homebuyer programs for eligible borrowers, subject to current administrator and funding rules.
Texas consumer-purpose residential lending
Who it is built for
Start with the actual use case.
Qualified Texas buyers meeting current TDHCA program requirements.
Key decision
Program rate, income, purchase price, education, assistance and second-lien terms require current review.
Eligible first mortgage
Eligibility and structure depend on the complete borrower, property and transaction profile.
Homebuyer assistance
Eligibility and structure depend on the complete borrower, property and transaction profile.
The direct answer
How this program works.
TDHCA’s Texas Homebuyer programs have distinct buyer and program conditions. My First Texas Home and other available options should not be treated as interchangeable.
Compare the alternative
Compare the applicable TDHCA product with TSAHC and conventional financing without assistance.
Illustrative example
A previously owned home may matter for one product’s first-time-buyer requirement; disclose that history before reserving assistance.
Important boundaries
- First-time-buyer exceptions and program terms require current administrator review.
- Assistance can affect first-mortgage cost and future obligations.
Source checked October 9, 2026: TDHCA — Texas Homebuyer programs ↗. Published guidance is educational; lender examples do not establish RedZone availability.
General structure
What gets reviewed.
- Texas consumer-purpose purchase transaction unless the specific program states otherwise
- Program income, purchase-price, occupancy and homebuyer requirements
- Compatible first mortgage and approved layering structure
- Available funds and administrator approval at the time of reservation
Potential advantages
Where it can work.
- May reduce the upfront cash required for eligible buyers
- Can be compared with seller concessions and other permitted assistance
- Provides structured education and support for qualified households
Limitations
Where it can break.
- Funds, rates and program rules can change or pause
- Second-lien, repayment, recapture or forgiveness terms may apply
- Assistance can carry a higher first-mortgage rate or additional costs
First-pass file map
Bring enough information to get a real answer.
The point is not to collect every document before a conversation. It is to avoid pricing a fantasy version of the transaction.
- 01Income and ownership-history records
- 02Required education certificate
- 03Contract and first-mortgage/assistance details
Who is TDHCA Programs designed for?
Qualified Texas buyers meeting current TDHCA program requirements.
What can TDHCA Programs be used for?
TDHCA Programs may be considered for purchase with assistance, subject to the property, borrower, lender and jurisdiction.
What should I prepare for a TDHCA Programs review?
A useful first review commonly includes income and ownership-history records, required education certificate, contract and first-mortgage/assistance details. The final list depends on the selected lender and transaction.
What is the most important decision with TDHCA Programs?
Program rate, income, purchase price, education, assistance and second-lien terms require current review.
Is TDHCA Programs automatically available if I meet general guidelines?
No. Every transaction remains subject to credit, property, documentation, lender, program and jurisdiction approval. Published information is educational, not a commitment to lend.
Related financing lanes
Compare before you commit.
Property and jurisdiction first
Find out whether this lane fits the real transaction.
Content updated October 9, 2026 · Source checks do not constitute lending/compliance approval · Product availability and guidelines require transaction-specific confirmation · This is not a commitment to lend.