TDHCA My First Texas Home
TDHCA My First Texas Home is a down payment assistance program from Texas Department of Housing and Community Affairs (TDHCA). It serves buyers in Statewide, Texas and offers 2%–5% of the loan amount. I'm David Stallings with NorthStar Mortgage Advisors, and my team (The Stallings Team) helps buyers apply for My First Texas Home as an approved participating lender.
Last updated October 15, 2026. Program details checked against official sources on October 15, 2026.
My First Texas Home quick facts
| Program | TDHCA My First Texas Home |
|---|---|
| Administrator | Texas Department of Housing and Community Affairs (TDHCA) |
| Area served | Statewide, Texas |
| Assistance | DPA of 2%–5% of total loan amount (funding permitting): either a 30-year deferred repayable 0% second, or a 3-year deferred forgivable 0% second. Matrix published Aug 17, 2026. Some local HFC gift funds available in certain counties. |
| First mortgage types | 30-year fixed FHA, VA or USDA (per MFTH program matrix) |
| Status | Open (DPA funding permitting) (checked October 15, 2026) |
| NorthStar lender status | Listed on the official lender list (Canopy Mortgage, LLC) |
| Official page | https://welcomehome.tdhca.texas.gov/programs |
Who is eligible for My First Texas Home?
These are the main requirements published by the administrator. Limits change, often every year, so we confirm the current numbers on your file.
- First-time homebuyer (exceptions in targeted areas and for qualified veterans)
- Maximum income and purchase price limits (TDHCA limits table)
- Minimum middle credit score 620
- Approved homebuyer education course
- Use a TDHCA participating lender
How to apply for My First Texas Home
- Talk with me. Call 678-561-2504 or start an application, and tell me the city or county you want to buy in, your household size, and your household income.
- Get preapproved for an eligible first mortgage. Program requirement: 30-year fixed FHA, VA or USDA (per MFTH program matrix). I check your numbers against the program's current official income and price limits.
- Complete any required homebuyer education and gather your income, asset, and household documents.
- Find a home that fits the program's area and price limits and go under contract.
- I reserve or submit the My First Texas Home assistance with your loan file.
- The administrator approves the assistance, the loan is underwritten, and the assistance is applied at closing.
Frequently asked questions
How much down payment help can I get from My First Texas Home?
Down payment assistance of 2% to 5% of the total loan amount, funding permitting, as either a 30-year deferred repayable second lien or a 3-year deferred second lien that's forgivable after 36 months. TDHCA also lists local gift-fund add-ons in certain counties.
Do I have to be a first-time homebuyer to use My First Texas Home?
Yes, with exceptions for targeted areas and qualified veterans. Repeat buyers can look at TDHCA's My Choice Texas Home.
Do I have to pay back My First Texas Home?
It depends on the option. One is a 30-year deferred loan due when you sell, refinance, or pay off the first mortgage; the other is forgiven after 36 months.
What kind of mortgage can I use with My First Texas Home?
30-year fixed FHA, VA or USDA (per MFTH program matrix).
Where can I use My First Texas Home?
Statewide, Texas. Confirm the exact property address with the administrator or with us before you go under contract.
Is NorthStar Mortgage Advisors an approved lender for My First Texas Home?
Yes. Canopy Mortgage, LLC (NorthStar Mortgage Advisors' parent company, NMLS #1359687) appears on the program's official participating-lender list, checked October 15, 2026. That means I can take your My First Texas Home application from preapproval through closing.
Is My Choice Texas Home the same thing?
No. My Choice Texas Home is TDHCA's sister program that doesn't require first-time-buyer status. We can compare both for you.
Related down payment assistance in Texas
- Homes for Texas Heroes (up to 5% of the loan amount)
- Home Sweet Texas (up to 5% of the loan amount)
- San Antonio HIP (up to $30,000 (HIP 80) or $15,000 (HIP 120))
- Dallas DHAP (up to $50,000 (up to $60,000 in High Opportunity Areas))
- Austin DPA (up to $40,000)
- Fort Worth HAP (up to $25,000)
- All Texas down payment assistance programs
- Down payment assistance by state
Sources
- TDHCA – Texas Homebuyer Program: Programs
- TDHCA – My First Texas Home Program Matrix (Aug. 17, 2026)
- TDHCA – Participating Lenders
Last updated October 15, 2026. Program terms are set by Texas Department of Housing and Community Affairs (TDHCA) and can change without notice.
NorthStar Mortgage Advisors is a division of Canopy Mortgage, LLC. NMLS #1359687. 6588 Church Street, Douglasville, GA 30134. David Stallings, NMLS #157508. Equal Housing Opportunity. Down payment assistance programs are run by the government agencies and authorities named on this page, which set and can change their terms, limits, and funding at any time. Program details on this page were checked against official sources on the date shown and are not a commitment to lend. All loans are subject to credit, income, property, and program approval. Verify licensing at nmlsconsumeraccess.org.