First-Time Buyer Programs
Texas offers up to 5% down payment assistance for first-time home buyers through official state programs.
TDHCA
Housing & Community Affairs
TSAHC
Affordable Housing Corp
SETH
SE Texas Housing Finance
TDHCA Programs
Texas Department of Housing and Community Affairs
My First Texas Home
Assistance
Up to 5%
Min Credit
640+
First-Time?
Required
Repayment
3-year forgivable OR 30-year deferred
Loan Types
Highlights
- First-time buyers only
- All loan types
- 0% interest
My Choice Texas Home
Assistance
Up to 5%
Min Credit
640+
First-Time?
Not Required
Repayment
3-year forgivable OR 30-year deferred
Loan Types
Highlights
- Repeat buyers OK
- All loan types
- 0% interest
TSAHC Programs
Texas State Affordable Housing Corporation
Home Sweet Texas
Assistance
Up to 5%
Min Credit
620+
First-Time?
Not Required
Repayment
Grant OR 3-year forgivable
Loan Types
Highlights
- Grant option
- Lower 620 credit
- Repeat buyers OK
Homes for Texas Heroes
Assistance
3-5%
Min Credit
620+
First-Time?
Not Required
Repayment
Grant OR 3-year forgivable
Loan Types
Highlights
- Teachers, veterans, first responders
- Grant option
- Lower credit
SETH Programs
Southeast Texas Housing Finance Corporation
Geographic Exclusions
Travis County, El Paso, Grand Prairie, McKinney
SETH 5 Star Government
Assistance
3-5%
Min Credit
640+
First-Time?
Not Required
Repayment
3-year forgivable OR 30-year deferred
Loan Types
Highlights
- Can own other property
- Not first-time required
- Forgiven at 36 months
SETH 5 Star Conventional
Assistance
3-5%
Min Credit
640+
First-Time?
Not Required
Repayment
3-year forgivable OR 30-year deferred
Loan Types
Highlights
- Conventional only
- Can own other property
- Not first-time required
Quick Comparison
Compare all Texas state DPA programs at a glance
| Program | Provider | Min FICO | First-Time? | Max DPA | Repayment |
|---|---|---|---|---|---|
| My First Texas Home | TDHCA | 640+ | Yes | 5% | 3-yr forgivable |
| My Choice Texas Home | TDHCA | 640+ | No | 5% | 3-yr forgivable |
| Home Sweet Texas | TSAHC | 620+ | No | 5% | Grant or 3-yr |
| Homes for Texas Heroes | TSAHC | 620+ | No | 5% | Grant or 3-yr |
| SETH 5 Star Gov | SETH | 640+ | No | 5% | 3-yr or 30-yr |
| SETH 5 Star Conv | SETH | 640+ | No | 5% | 3-yr or 30-yr |
Find Your Best Program Match
Use our calculator to see which programs you qualify for, or take our quiz for a personalized recommendation.
Programs subject to underwriting approval and eligibility requirements. Rates and terms subject to change without notice. Not all borrowers will qualify for all programs. Income limits vary by county and household size. TDHCA, TSAHC, and SETH programs are administered by their respective agencies. Cornerstone First Mortgage LLC, NMLS #173855.