30-year fixed-rate first mortgage paired with 2% to 5% of the loan amount in down payment and closing cost assistance, as a 0% second lien: either a 30-year deferred repayable loan or a 3-year deferred forgivable loan.

Paired with: FHA, VA, USDA

• First-time homebuyer: Required
• Primary residence only
• Minimum FICO: 620
• Income: See TDHCA county-specific income and purchase price limits.
• Homebuyer education required

First-time homebuyer required (no primary residence ownership in the last three years). First-time requirement waived in qualified targeted census tracts and for qualified veterans. May be subject to federal recapture tax.

Source: welcomehome.tdhca.texas.gov

Down payment and closing cost assistance at 2%, 3%, 4%, or 5% of loan amount as a 0% second lien (30-year deferred repayable or 3-year deferred forgivable), paired with a 30-year fixed-rate first mortgage.

Paired with: FHA, VA, USDA, Conventional

• First-time homebuyer: Not required
• Primary residence only
• Minimum FICO: 620
• Income: See TDHCA income limits; no purchase price limits.
• Homebuyer education required

Open to both first-time and repeat homebuyers. Not subject to recapture tax. Available on a first-come, first-served basis subject to funding availability.

Source: welcomehome.tdhca.texas.gov

Federal tax credit of 15% of annual mortgage interest paid (dollar-for-dollar reduction in federal tax liability), available for the life of the loan while the home remains the primary residence.

Paired with: FHA, VA, USDA, Conventional

• First-time homebuyer: Required
• Primary residence only
• Income: TDHCA MCC income and purchase price limits apply.
• Homebuyer education required

Can be used with a TDHCA first mortgage or as a stand-alone option with a non-TDHCA first mortgage (no minimum credit score for stand-alone). First-time homebuyer requirement waived in targeted areas and for qualified veterans.

Source: welcomehome.tdhca.texas.gov

Fixed-rate first mortgage with a grant of up to 5% of the loan amount for down payment and closing costs (or a deferred forgivable second-lien option, forgiven after three years).

Paired with: FHA, VA, USDA, Conventional

• First-time homebuyer: Not required
• Primary residence only
• Minimum FICO: 620
• Income: Household income must meet TSAHC program limits.
• Homebuyer education required

Eligible professions include public school educators, nursing and allied health faculty, peace officers, firefighters, EMS, corrections officers, county jailers, and veterans. Minimum credit score is 620 for government loans and 640 for conventional. TSAHC is a separate statewide nonprofit and runs its own DPA pool independent of TDHCA.

Source: www.tsahc.org

Fixed-rate first mortgage with a grant of up to 5% of the loan amount for down payment and closing costs (or a deferred forgivable second-lien option, forgiven after three years).

Paired with: FHA, VA, USDA, Conventional

• First-time homebuyer: Not required
• Primary residence only
• Minimum FICO: 620
• Income: Low- and moderate-income households per TSAHC limits.
• Homebuyer education required

Open to buyers who do not qualify under the Heroes program. Minimum credit score is 620 for government loans and 640 for conventional. First-time buyers may also qualify for a TSAHC Mortgage Credit Certificate (15% of annual mortgage interest).

Source: www.tsahc.org

Up to $75,000 based on need, as a no-interest forgivable loan; forgiven after a five-year residency period.

Not accepting new applications as of October 2026 (funds exhausted); the City says it will reopen when funding is replenished. For first-time homebuyers at or below 80% AMI purchasing in the Houston city limits; requires HUD-certified homebuyer education.

Source: houstontx.gov

Up to $40,000 as a 0% interest loan for down payment, closing costs, and prepaids on an owner-occupied single-family home or condo.

Limited to first-time homebuyers at or below 80% MFI; maximum sales price of $440,000. Homebuyer education required.

Source: www.austintexas.gov