Low-interest-rate mortgages and up to 5% assistance for down payment and closing costs—Your key to a new home in Texas!
Verify Your My Choice Texas Home Eligibility
The My Choice Texas Home Program offers low-interest, 30-year mortgages with flexible down payment and closing cost assistance up to 5%.
Whether you're a Veteran or a repeat homebuyer, this program can help you unlock the doors to homeownership.
No first-time buyer requirement, higher income limits, and statewide availability make this an ideal option for Texans looking for affordable home financing.
Providing Texas homebuyers with flexible assistance options for a brighter tomorrow.
Flexible Assistance: Choose from 2%, 3%, 4%, or 5% assistance toward your down payment and closing costs.
Statewide Access: Available to homebuyers across Texas, no matter where you live.
No First-Time Buyer Requirement: Ideal for Veterans and repeat buyers.
30-Year Fixed Rate: Enjoy a low-interest, long-term mortgage with stable monthly payments.
Forgivable Second Lien Option: Choose a 3-year forgivable second lien to help make your home more affordable.
Higher Income Limits: Qualify for assistance even with higher income compared to other programs.
To qualify for the My Choice Texas Home Program, you must:
Have a minimum credit score of 620.
Meet the program’s income and property value limits.
Be approved for a mortgage through a Texas Homebuyer Program-approved lender.
Use the property as your primary residence. Other specific requirements may apply based on your financial profile and the home you choose.
Check Your Eligibility: Review the income and property value limits to ensure you qualify.
Get Pre-Approved: Work with one of the approved lenders to secure your mortgage.
Secure Assistance: Once approved, choose the down payment assistance option that best fits your needs.
Close on Your New Home: Use the My Choice Texas Home program to make your dream of homeownership a reality.
Veterans and repeat homebuyers with a minimum credit score of 620 who meet income and property value limits can qualify.
No! The program is open to all qualifying homebuyers, including Veterans and repeat buyers.
You can receive 2%, 3%, 4%, or 5% of your loan amount as down payment and closing cost assistance.
Yes, the program is available statewide.
Simply work with one of the approved lenders to get pre-approved and select your assistance option.
The My Choice Texas Home Program is proudly backed by the Texas Department of Housing and Community Affairs, ensuring transparent, lawful, and efficient administration of homebuyer assistance programs.
With years of experience helping Texans, we make homeownership accessible and affordable for all eligible residents.
