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My First Texas Home

Texas

Available Assistance

Qualifying homebuyers can benefit from different features that the Department’s Mortgage Credit Certification Program offers by combining it with TMP funds, further increasing the home’s affordability. The size of the annual tax credit will be 40% of the annual interest paid on the mortgage loan, up to $2,000 per year. MCC credits that can't be taken in the current year may be carried forward and used in the subsequent three years.

Eligibility Requirements

Eligibility RequirementsThe eligibility requirements below must be met in order to qualify for the My First Home program:Applicants must be a first-time homebuyer or a homebuyer who has not owned a home as primary residence within the past three years.The applicant’s income should not exceed program's income limit guidelines.The property should not exceed the program’s set purchase price limits.Minimum credit score requirements for FHA, VA, and USDA loans is 640 with debt-to-income maximums at 45%.Minimum credit score requirements for Fannie Mae HFA Preferred loans is 640 for loan-to-values of 95% or lower; 680 for loan-to-values obetween 95.01% and 97%. Debt-to-income maximums are at 45%.

Property Guidelines

The following type of properties are eligible for loans through the My First Texas Home Program:Single family units.Single units in condominium developments and planned unit developments.Duplexes (exceptions apply).My First Texas Home has funds set aside for targeted areas, in which 70 percent or more of the families have incomes that are 80 percent or less of the statewide area median income (AMI), or an area of chronic economic distress.

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