TDHCA My First Texas Home (Down Payment Assistance)

Texas Department of Housing and Community Affairs (TDHCA)

Available Home Repair

About This Program

TDHCA My First Texas Home (Down Payment Assistance) is available in Austin, TX.

My First Texas Home provides 30-year fixed-rate mortgages paired with down payment and closing cost assistance of up to 5% of the loan amount through a second lien, either a 30-year deferred repayable lien or a 3-year forgivable lien. Available to first-time homebuyers (and qualified veterans purchasing any home) who meet IRS tax-exempt bond income requirements. Credit score minimum 620.

DPA = up to 5% of first mortgage amount. Austin area income limits approximately $103,500 for a 4-person household (115% AMI). Purchase price limits apply.

Official source site checked live on 2026-06-22.

Data last verified 2026-04-03. How we verify our data.

In Austin, TX, you can combine this program with other local help to cut your cost:

Key Details

  • 30-yr fixed mortgage + up to 5% DPA second lien
  • 3-year forgivable or 30-year deferred second lien options
  • First-time buyers only (veterans exempt from first-time requirement)
  • Min. credit score 620; income limits vary by county
  • Austin area 4-person income limit ~$103,500

How to Apply

Get free help applying Visit Official Program Page Track this program

512-475-3800

A grant-savvy contractor in Austin, TX can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Austin early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • Proof of military service (DD-214) and, for disability-based grants, your VA disability rating letter.
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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Frequently asked questions

How much can TDHCA My First Texas Home (Down Payment Assistance) provide in Austin, TX?

Up to 5% of loan as DPA (30-yr deferred or 3-yr forgivable).

Who qualifies for TDHCA My First Texas Home (Down Payment Assistance) in Austin?

TDHCA My First Texas Home (Down Payment Assistance) is available in Austin, TX. It serves veterans and military families.

How do I apply for TDHCA My First Texas Home (Down Payment Assistance) in Austin, TX?

Apply directly with Texas Department of Housing and Community Affairs (TDHCA) using the official program link on this page or call 512-475-3800. There is no middleman and no fee.

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