Texas · DPA program

TDHCA My Choice Texas Home

Up to 5% of loan amount — repeat buyers welcome

Up to 5% DPA. Same as My First Texas Home but NO first-time buyer requirement.

TDHCA's My Choice Texas Home extends competitive rates to repeat buyers — one of the few state programs that doesn't restrict favorable mortgage terms to first-time purchasers. The program helps Texas families moving up, relocating, or re-entering homeownership access below-market financing.

AmountUp to 5% of loan amount — repeat buyers welcome

TypeDPA program

Available inTexas

First-time buyer requiredNo

Minimum credit score640

Multi-unit eligibleYes — 1-4 units

House-hack eligible

This program can be used on 1-4 unit properties. Live in one unit, rent the others.

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down

Federal · Subsidized loan

VA Loan $0 down + no monthly mortgage insurance

Federal · Federal benefit

NACA Program $0 down + $0 closing + $0 PMI + below-market rate

National · Nonprofit program

TDHCA My First Texas Home Up to 5% of loan amount

Texas · DPA + below-market rate

TSAHC Home Sweet Texas 3-5% grant — free money, no repayment ever

TSAHC Homes for Texas Heroes 3-5% grant + free MCC ($2K/year tax credit)

All Texas programs →

Get your free stacking strategy

We'll show you how to combine TDHCA My Choice Texas Home with other programs to maximize your free money — personalized to your ZIP code and income.

Or get matched with a lender who knows this program →

All Texas programs →