My First Texas Home (Texas)
Texas Department of Housing and Community Affairs (TDHCA) · Texas
| Assistance type | Deferred loan — No payments until you sell, refinance or pay off |
|---|---|
| Amount | 2% to 5% (subject to availability) |
| Income limit | Not verified on the official page — check the source |
| Purchase price limit | Not verified on the official page — check the source |
| First-time buyer rule | Required |
| Status | Offered |
| Status note | Not verified on the official page — check the source |
| Details | 0% second lien: 30-year deferred repayable, or a 3-year deferred forgivable option. |
| Official source | https://welcomehome.tdhca.texas.gov/uploads/My-First-Texas-Home-Program-Matrix-TMS.pdf (opens in new tab) |
| Last checked | Oct 19, 2026 (automated fetch) |