My First Texas Home, Down Payment & Closing Cost Assistance

Texas Department of Housing & Community Affairs (TDHCA)

Available Home Repair

About This Program

My First Texas Home, Down Payment & Closing Cost Assistance is available in Dallas, TX.

My First Texas Home provides 30-year fixed-rate mortgages with down payment and closing cost assistance of up to 5% of the loan amount to first-time homebuyers (or those who haven't owned in 3+ years) in Texas. Income and purchase price limits apply by county and household size. The program is paired with FHA, VA, USDA, or conventional loans and does not require repayment of the DPA if the home is kept for the required period.

On a $250,000 home, 5% DPA = $12,500 in assistance. Income limits vary by county and household size.

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

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

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

Key Details

  • Up to 5% of loan amount as down payment assistance
  • 30-year fixed-rate mortgage, competitive interest rate
  • First-time buyers or those who haven't owned in 3+ years
  • Income and purchase price limits apply for Dallas County
  • Apply through TDHCA-approved lenders at welcomehome.tdhca.texas.gov

How to Apply

Get free help applying Visit Official Program Page Track this program

512-475-3800

A grant-savvy contractor in Dallas, 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 Dallas early keeps your application moving.

Get matched with a contractor

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).
  • 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: Ongoing, apply through TDHCA-approved lenders

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 My First Texas Home, Down Payment & Closing Cost Assistance provide in Dallas, TX?

Up to 5% of loan amount in DPA.

How do I apply for My First Texas Home, Down Payment & Closing Cost Assistance in Dallas, TX?

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

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Dallas, TX contractors

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This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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