TDHCA My First Texas Home

TDHCA My First Texas Home是面向Texas购房者的可免除贷款。 The TDHCA My First Texas Home program provides first-time homebuyers a 30-year fixed-rate mortgage paired with up to 5% of the loan amount in down payment and closing cost assistance. The assistance is structured as a 0% interest forgivable second lien that is forgiven after 3 years of owner-occupancy. Available statewide in Texas, the program is administered by the Texas Department of Housing and Community Affairs (TDHCA) and offered through participating lenders. Up to 5% of the loan amount in down payment and closing cost assistance. 0% interest forgivable second lien forgiven after 3 years of owner-occupancy. Paired with a 30-year fixed-rate first mortgage at below-market interest rates. Available statewide in Texas for eligible first-time homebuyers. Compatible with FHA, VA, USDA, and conventional loans. No repayment required if borrower remains in home for 3 years. 资金来自State。

TDHCA My First Texas Home在3年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：Sale、Refinance、No Longer Primary和Transfer of Title。 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。

TDHCA 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：Veterans and targeted area residents exempt; 3-year lookback for all others。 该项目列出的最低信用分数为620。 须参加购房者教育课程。 Must complete approved homebuyer education course. Veterans and targeted area residents exempt from first-time homebuyer requirement.

TDHCA My First Texas Home将家庭收入限制在地区收入中位数的115%，该数值因县和家庭人数而异。 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。

TDHCA My First Texas Home将房价上限设为$350,000。 符合条件的房屋类型包括Single Family、Condo和Townhouse。 新建房屋符合条件。

TDHCA My First Texas Home服务于在Texas任何地方购房的购房者。 该项目针对特定区域：Federally designated targeted areas in Texas qualify for relaxed income and purchase price limits and exemption from the first-time homebuyer requirement.

TDHCA 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。 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。