TDHCA My Choice Texas Home
Taking applicationsTDHCA
- Meant for
- First-time and repeat buyers (no first-time requirement)
- How much
- 2%, 3%, 4% or 5% of loan amount
- Kind of help
- Loan due when you sell or refinance
- First-timers only?
- No
- Pairs with the state program?
- no - separate state program
Nov 6, 2026 rate notice offers two DPA options: a 30-year deferred repayable 0% second lien or a 3-year deferred forgivable 0% second lien. FHA/VA/USDA and Fannie Mae/Freddie Mac conventional first loans. Not eligible for most local HFC gift-fund add-ons.
Fact-checked November 2026 · our sources
Could I get this? →Two ways to take the money
The November 6, 2026 TDHCA rate notice lists two versions. One is a 0% second lien deferred for 30 years and repaid later. The other is a 0% second lien deferred for 3 years and then forgiven. Neither carries a monthly payment. The forgivable version works much like TSAHC's 3-year option, while the 30-year version is closer to a silent loan you settle when you sell or refinance.
Who it fits
First-time buyers, repeat buyers and veterans can all use it, which makes it the TDHCA route for someone who owned a home in the last 3 years. TDHCA describes its income limits as higher than My First Texas Home's; your lender pulls the figure for your county. First loans can be FHA, VA, USDA or a Fannie Mae or Freddie Mac conventional loan, and the conventional choice matters for buyers with strong credit who want to avoid FHA mortgage insurance rules. Compare loan types in the FHA vs. conventional vs. VA vs. USDA guide.
My Choice vs. My First Texas Home
The trade-off is local add-ons. Most local Housing Finance Corporation gift funds, including the Harris County and McKinney gifts, are not available with My Choice. If you are a first-time buyer in one of those areas, My First Texas Home may bring more total help. It is also a separate state program from TSAHC, so it does not combine with Homes for Texas Heroes. For a city program on top, a participating lender confirms whether they combine.
Before choosing, ask the lender for both lien versions at the same assistance level. The 3-year forgivable option leaves nothing owed if you keep the home past that point, while the 30-year repayable option stays on title until you sell, refinance or pay off the mortgage. For a buyer who expects to move within a few years, that difference can be several thousand dollars. Because there is no first-time requirement, My Choice is also the TDHCA choice for buyers who are moving up from a starter home or who owned a house before a divorce.
Getting started
Pick a lender that originates TDHCA loans, ask for pricing at each assistance level and both lien types, and compare the payment. Buyers in Collin County, Dallas County and elsewhere can run a quick eligibility check to see the TSAHC option side by side.
Reader questions on TDHCA My Choice Texas Home
Do I need to be a first-time buyer for My Choice Texas Home?
No. It is open to first-time and repeat buyers and veterans.
Is My Choice Texas Home assistance a grant?
It is a 0% second lien. Under the November 6, 2026 notice you choose a 30-year deferred repayable version or a 3-year deferred forgivable version.
Can I add a local HFC gift to My Choice?
Usually not. Most local Housing Finance Corporation gift funds work only with My First Texas Home.
See if this one fits me
Programs worth comparing
Summed up from the program's official page as of November 2026. Money and rules change; check current terms with the program or a lender that takes part. Texas Down Payment Assistance has no tie to this program.
