TDHCA (Texas Department of Housing & Community Affairs)
State Housing Agency
The Texas Department of Housing and Community Affairs (TDHCA) was created on September 1, 1991. The mission of the TDHCA is to administer its assigned programs efficiently, transparently, and lawfully and to invest its resources strategically and develop high quality affordable housing which allows Texas communities to thrive.
First Mortgage Programs Offered by TDHCA (Texas Department of Housing & Community Affairs)
TDHCA FHA Purchase Loan
Best For: First Time Homebuyers, Easy Qualification
FHA program for Texas residents seeking down payment assistance, offered by the Texas Department of Housing and Community Affairs (TDHCA).
Min. Credit Score
620
Min. Down Payment
3.5%
Max. Loan Amount
$472,030 - $571,550
TDHCA USDA Purchase Loan
Best For: First Time Homebuyers, Zero Down
USDA program for Texas residents seeking down payment assistance, offered by the Texas Department of Housing and Community Affairs (TDHCA).
Min. Credit Score
620
Min. Down Payment
0%
Max. Loan Amount
$336,500 - $386,400
TDHCA VA Purchase Loan
Best For: First Time Homebuyers, Zero Down
VA program for Texas Veterans seeking down payment assistance, offered by the Texas Department of Housing and Community Affairs (TDHCA).
Min. Credit Score
620
Min. Down Payment
0%
Max. Loan Amount
$726,200
TDHCA Conventional Purchase Loan
Best For: First Time Homebuyers, Zero Down
Conventional option for Texas residents seeking down payment assistance, offered by the Texas Department of Housing and Community Affairs (TDHCA).
Min. Credit Score
620
Min. Down Payment
3%
Max. Loan Amount
$726,200
Second Mortgage Programs Offered by TDHCA (Texas Department of Housing & Community Affairs)
TDHCA My First Texas Home
Best For: First Time Homebuyers, Zero Down
Up to 5% down payment and closing cost assistance for Texas first time homebuyers with either forgivable or repayable assistance.
Min. Credit Score
620
Min. Down Payment
0%
Max. Loan Amount
$472,030 - $571,550
Up to 5.00% of 1st Loan Amount Program Benefit Amount
TDHCA My Choice Texas Home
Best For: Low Credit Scores, Zero Down
Up to 5% down payment and closing cost assistance for Texas homebuyers with no first time homebuyer requirement.
Min. Credit Score
620
Min. Down Payment
0%
Max. Loan Amount
$472,030 - $571,550
Up to 5.00% of 1st Loan Amount Program Benefit Amount
Special Offers from TDHCA (Texas Department of Housing & Community Affairs)
TDHCA Texas Mortgage Credit Certificate (MCC)
TDHCA's Texas Mortgage Credit Certificate (MCC) is an interest tax credit that is used to reduce your federal income tax responsibility each year. It is specifically for first time homebuyers and veterans and must be paired with TDHCA's "My First Texas Home" program.
TDHCA Bonus Gift Dollars
The Texas Homebuyer Program has partnered with local Housing Finance Agencies in certain eligible counties in Texas to offer free gift funds to be used in conjunction with the TDHCA Down Payment Assistance Programs.
See If You Qualify for TDHCA (Texas Department of Housing & Community Affairs) Loans
* ReviewMyMortgage.com Inc. is in no way affiliated with or endorsed by TDHCA or any of its subsidiaries. We are an educational resource website that compiles information on different financing institutions and the loan products they offer in the United States.
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