Where Texas’ lowest interest rates call home.

Begin a lifetime of homeownership through the Texas First Time Homebuyer Program (FTHB). This program allows qualified Texans access to low interest rate home loans, typically 1% below current market rates. It’s a fast, simple process – click the links below or contact a qualified lender to find out more.

• Step 1: Prequalify using our Mortgage Qualifier Tool
• Step 2: Find what types of properties are eligible for purchase
• Step 3: Review rates, fees, and requirements
• Step 4: Gather your important documents
• Step 5: Find a Lender or Realtor

If you are interested in assistance with your down payment and closing costs, the Texas First Time Homebuyer Program offers income eligible homebuyers a grant equal to 5% of the mortgage amount. To be eligible for the 5% of assistance, your income generally may not exceed 60% of the Area Median Family Income (AMFI) if purchasing a property in a Non-Targeted area. If purchasing in a Targeted area, which includes the Rita GO Zone (PDF), your income can go up to 140% AMFI based on family size. To verify the AMFI figure for your area of the state, please check the Maximum Income and Purchase Price Limits Table (PDF). To determine if downpayment assistance funds are still available, please visit the Available Funds page.

If you are a current homeowner concerned about foreclosure, visit Foreclosure Prevention for helpful resources.

Visit Related Programs for information on other Homebuyer Programs offered by the Texas Department of Housing and Community Affairs.