Texas Department of Housing & Community Affairs - Building Homes and Strengthening Communities

Texas Homeownership Division

Program Descriptions

My First Texas Home (TMP 79)
Effective October 2012, TDHCA announced the release of $600 million in homebuyer assistance — the largest amount ever offered by the state — offers qualified homebuyers competitive, 30-year fixed annual mortgage rate loans with down payment assistance.

Texas Mortgage Credit Certificate Program
Texas Mortgage Credit Certificate Program allows qualified buyers to claim a credit against federal taxes based on a percentage of annual mortgage interest paid. The credit increases a family's disposable income by reducing the household’s federal income tax obligation. The tax credit is valid for the term of the mortgage loan as long as the borrower occupies the property as their primary residence.

Texas Homebuyer U
Texas Homebuyer U is a free online tool designed to satisfy the homebuyer education requirement for TDHCAs First Time Homebuyer programs. TX HBU offers two courses: One is a comprehensive pre- and post-purchase tutorial which satisfies the education requirement for TDHCAs first time homebuyer programs; the other is an introductory course to its Texas Mortgage Credit Certificate (TX MCC) Program.

Texas Statewide Homebuyer Education Program (TSHEP)
Texas Statewide Homebuyer Education Program (TSHEP) is designed to work with local nonprofit organizations to teach the principles and applications of comprehensive pre- and post purchase homebuyer education, and to certify participants as homebuyer education providers.