TDHCA (Texas Department of Housing and Community Affairs) at tdhca.state.tx.us provides My First Texas Home and My Choice Texas Home mortgage programs with 0% deferred DPA for qualifying TX buyers.

What is My First Texas Home?

My First Texas Home provides a 30-year fixed first mortgage plus a 0% deferred DPA second loan for first-time Texas buyers. No monthly DPA payment until you sell or refinance.

Can repeat buyers use Texas HFA programs?

Yes — My Choice Texas Home is available to repeat buyers meeting TDHCA income requirements.

How do Texas property taxes affect mortgage affordability?

Texas has no state income tax but high property taxes — often among the highest nationally. Property taxes increase your effective monthly housing cost significantly. Use PITI (including taxes) for all affordability estimates.

Where can I find a HUD counselor in Texas?

HUD lists approved housing counselors at hud.gov/states/texas.

Mortgages in Texas

Texas has diverse metro markets: Austin and Dallas–Fort Worth have seen major price appreciation; Houston is a large, competitive market; San Antonio offers more accessible pricing. Texas has no state income tax but property taxes are among the highest nationally — a material ongoing cost.

More Texas guides

Personal Loans in Texas Auto Insurance in Texas Homeowners Insurance in Texas Renters Insurance in Texas Auto Loans in Texas Student Loans in Texas Life Insurance in Texas High-Yield Savings in Texas

Mortgages by state

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