First time home buyer program

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Who is eligible? Participants must meet the definition of a first time homebuyer. What Are The Benefits? Your browser does not support iFrames. Do Not Fill This. Skip to Main Content. NY Connects. Search for an FHA-approved lender here. Find FHA loan products for manufactured mobile homes. Learn more about FHA loans. Your qualifications to buy a HUD home depend on your credit score, ability to get a mortgage, and the amount of your cash down payment.

Click on the agent tab to find contact information to learn more about the property. Contact your local PHA. If a lender is discriminating against you, submit a complaint to the Consumer Financial Protection Bureau. You can also file a housing discrimination complaint with HUD.

Being a first-time homebuyer allows you to take advantage of our Mortgage Credit Certificate program. Many of our programs are open to people who have already purchased a home.

We love helping first-time homebuyers, but we also want to assist any eligible Texan afford a home of their own. If you qualify for our programs, TSAHC will provide you with a mortgage loan and funding to use for your down payment.

You can choose to receive the assistance as a grant which does not have to be repaid or a deferred forgivable second lien loan which only has to be repaid if you sell or refinance within three years. To qualify, you must have a credit score of and meet certain income requirements. Hero professions include:. If you are buying your first home, you can apply for a mortgage interest tax credit known as a Mortgage Credit Certificate MCC.

To qualify, you must meet certain income requirements and the home must meet certain sales price restrictions.