09/23/2025
# # # 🏡 First-Time Homebuyer in Texas? Don’t Miss These Programs! 💸
Buying your first home in Texas just got easier — thanks to **state and local programs** designed to help with down payments, closing costs, and even tax credits. 🙌
Here are some top programs you should know about:
✅ **My First Texas Home**
Get up to **5% in down payment assistance** + a 30-year fixed mortgage. Perfect for first-timers and veterans!
✅ **Texas State Affordable Housing Corp (TSAHC)**
• **Home Sweet Texas** – Assistance for low/mid-income buyers
• **Homes for Texas Heroes** – For teachers, police, firefighters, and more!
✅ **Mortgage Credit Certificate (MCC)**
Claim a portion of your mortgage interest as a **tax credit every year**.
🏙️ **Local Programs** (just a few examples):
• **Austin** – Up to **\$40,000** in down payment help
• **San Antonio HIP** – 0% loans for eligible buyers
• **Arlington** – Up to **\$20,000** toward your purchase
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📌 **You may qualify even if you’ve owned before — if it’s been 3+ years.**
📌 Most programs require a **credit score of 620+** and a **homebuyer education course.**
📌 These are not just for low-income buyers — many **middle-income earners qualify too**!
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🔎 Want help figuring out which programs you're eligible for?
Drop a comment or DM me — I’ll send you a personalized list based on your city & income.
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