Texas First-Time Home Buyer Programs of 2021

NerdWalletJan 1, 2021
Texas First-Time Home Buyer Programs

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Buying a house is a huge financial decision. If you’ve never done it before, it’s easy to feel like you’re in over your head. Loan programs for first-time home buyers can make the process easier, especially if you’ve had credit issues or found it hard to save up a down payment.

The Texas Department of Housing and Community Affairs, or TDCHA, offers first-time home buyer programs to assist qualified borrowers in the Lone Star State. Some national loan programs also have features that can benefit first-time home buyers. Browse the options below to find the right mortgage for your needs.

No matter where you live, these loan programs have benefits that may help you buy your first home, like low down payment and credit score requirements.

If you haven’t owned a home as your primary residence within the past three years, you’re considered a  by the TDHCA. This requirement is waived if you’re an honorably discharged veteran.

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Ready to take the next step toward being a Texas homeowner? It’s time to dig into the specifics. For full details on any of the programs listed above, .

The TDHCA doesn’t approve applications or lend money; instead, it has that provide access to first-time home buyer programs. These lenders may have additional rules about income limits, credit scores and eligible properties. If you’re interested in these home buyer assistance programs, reach out directly to a lender for more information.

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