My First Texas Home (Texas Homebuyers Program)

Texas Dept. of Housing & Community Affairs (TDHCA)

Available Home Repair

About This Program

My First Texas Home (Texas Homebuyers Program) is available in San Antonio, TX.

The TDHCA My First Texas Home program provides first-time homebuyers and qualifying veterans with a 30-year, fixed-rate mortgage at competitive rates plus down payment and closing cost assistance of up to 5% of the loan amount as a 0% deferred or forgivable second lien. Income limits are set at 115% of AMI, varying by county and household size.

Income ≤ 115% AMI; first-time buyer or no ownership in prior 3 years (veterans exempt)

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

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

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

Key Details

  • First-time homebuyers or veterans (no prior ownership requirement for vets)
  • Income ≤ 115% AMI, approximately $103,500 for family of 4 in Bexar County
  • Down payment/closing cost assistance up to 5% of loan amount at 0% interest
  • 30-year fixed-rate mortgage through participating lenders
  • Contact TDHCA: 800-792-1119 or welcomehome.tdhca.texas.gov

How to Apply

Get free help applying Visit Official Program Page Track this program

800-792-1119

A grant-savvy contractor in San Antonio, 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 San Antonio 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: Open, apply through participating lenders

Questions about this program?

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

Email us about this program

Frequently asked questions

How much can My First Texas Home (Texas Homebuyers Program) provide in San Antonio, TX?

Up to 5% of loan amount in DPA; 30-year fixed mortgage.

Who qualifies for My First Texas Home (Texas Homebuyers Program) in San Antonio?

My First Texas Home (Texas Homebuyers Program) is available in San Antonio, TX. It serves veterans and military families.

How do I apply for My First Texas Home (Texas Homebuyers Program) in San Antonio, TX?

Apply directly with Texas Dept. of Housing & Community Affairs (TDHCA) using the official program link on this page or call 800-792-1119. 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 San Antonio, TX contractors

Find More Programs in San Antonio, TX

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

See All Programs