My First Texas Home

My First Texas Home是面向Statewide，Texas购房者的延期第二贷款。 My First Texas Home is TDHCA's flagship Mortgage Revenue Bond first-time-homebuyer program. It pairs a 30-year fixed-rate first mortgage with up to 5% DPA as a 0% second lien. Statewide availability with FTHB requirement waived in IRS target areas. Bond funding generally allows competitive rates relative to non-bond TBA pricing. TDHCA's My First Texas Home is a tax-exempt mortgage revenue bond program providing a competitive 30-year fixed-rate first mortgage (FHA, VA, USDA, or HFA-preferred conventional) paired with down payment and closing-cost assistance equal to up to 5% of the loan amount as a 0% interest second lien (deferred / forgivable per program guidance). Available statewide for first-time homebuyers (no homeownership in the prior 3 years) — the FTHB requirement is waived in IRS-designated target areas. Can be combined with the Texas Mortgage Credit Certificate (when offered) for additional federal tax savings. 资金来自Tax-exempt Mortgage Revenue Bonds issued by TDHCA。

My First Texas Home为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Due upon sale, refinance, payoff of first mortgage, or non-occupancy as primary residence。 该援助以2nd Lien顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

My First Texas Home面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：Repeat homebuyers eligible if property is in IRS-designated target area; otherwise borrower must not have owned a principal residence in the previous 3 years。 关于信用，该项目说明：620 minimum FICO for Government (FHA/VA/USDA) and Conventional loans。 须参加购房者教育课程，由HUD-approved or TDHCA-approved homebuyer education provider required (Texas Homebuyer U online course is commonly used)提供。 居住要求：Property must be in Texas and occupied as primary residence。 公民身份或移民身份：U.S. citizen or qualified non-citizen per agency loan-product guidelines。 First-time homebuyer required (no ownership interest in a principal residence in the prior 3 years); waived in IRS-designated target areas. Borrower must occupy as primary residence. Income limits and purchase price limits set per IRS Mortgage Revenue Bond rules and vary by county / MSA and household size (1-2 person vs 3+). Federal recapture tax may apply if home is sold within 9 years and income has increased significantly. Homebuyer education required.

My First Texas Home将家庭收入限制在$187,320。 该限制适用于家庭总收入，而不仅是借款人的收入。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

My First Texas Home将房价上限设为$928,431。 符合条件的房屋类型包括Single-family detached, townhomes, condos meeting agency approval, eligible PUDs, eligible manufactured homes (per IRS bond rules generally limited to 1-unit owner-occupied)。 新建房屋符合条件。 预制房屋符合条件。

My First Texas Home在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员、遗属配偶、美洲印第安人和阿拉斯加原住民购房者、教育工作者、执法人员、消防员、医护人员和残障购房者。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

My First Texas Home服务于在Statewide，Texas购房的购房者。 该项目针对特定区域：IRS-designated qualified census tracts and areas of chronic economic distress in Texas. In target areas, FTHB requirement is waived and higher income/sales price limits apply. Verify property's status via TDHCA's targeted area lookup.

My First Texas Home的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Lenders reserve via TDHCA's online lender portal on first-come, first-served basis预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。