Buying a home is a significant investment, and for many buyers, financial assistance programs can make homeownership more accessible. In Houston and across Texas, there are numerous state and local programs designed to help first-time buyers, low- to moderate-income households, and other qualified applicants secure affordable housing. These programs offer benefits such as down payment assistance, low-interest loans, and tax credits to help make homeownership more attainable. At C&T Mortgage, we specialize in guiding homebuyers through the available options, ensuring you find the best program to fit your needs.
Statewide Homebuyer Assistance Programs in Texas
Texas State Affordable Housing Corporation (TSAHC) Programs
TSAHC offers two key programs: the Homes for Texas Heroes Program (for teachers, first responders, and other essential workers) and the Home Sweet Texas Home Loan Program, both of which provide down payment assistance and fixed-rate mortgage options.
Texas Department of Housing and Community Affairs (TDHCA) Programs
The My First Texas Home and My Choice Texas Home programs offer low-interest loans and down payment assistance for eligible first-time and repeat homebuyers. These programs also include a mortgage credit certificate (MCC) option, which provides tax savings for qualifying buyers.
Southeast Texas Housing Finance Corporation (SETH) 5-Star Program
Available to home buyers in Houston and surrounding areas, this program offers grant assistance for down payments and closing costs, with flexible credit and income requirements.
Frequently Asked Questions About Homebuyer Assistance Programs
Find & Apply for Homebuyer Programs With C&T Mortgage
Navigating homebuyer assistance programs can be complex, but C&T Mortgage makes it easy. Our team has extensive knowledge of local and state programs and can help you determine which options align with your financial situation and homeownership goals. We guide you through the application process, ensuring you meet eligibility requirements and submit the necessary documentation. Whether you’re a first-time buyer or looking for special financing options, we’re here to help you take advantage of every opportunity available. Contact C&T Mortgage today to start your homeownership journey with expert guidance and support.
