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First Time Home Buyer Grants

Hunting for Texas first time home buyer grants to purchase a house? Find the best grants/programs for home buying in Texas and other home mortgage grants and programs below.

Even though exciting, it can also be scary! But don't be blown away by the process. It is my plan to give you some useful information to help with the important down payment and closing costs that seem to be so overwhelming to most.

Anyone would enjoy a green Texas handshake. They say everything is bigger in Texas. If you qualify for one of the home mortgage down payment assistance programs in Texas, that would be awesome.

If you would like help navigating the home buying process, which includes finding a grant; searching for that perfect home or even selecting the right mortgage, click here and fill out the questionnaire for some free coaching and let's get this process started!

Texas First Time Home Buyer Grants

Texas First Time Home Buyer Grants or Programs

To begin with, the State of Texas does not offer a Texas first time home buyer grant program for its residents. But it does have a program that is similar.

Texas has made available a down payment assistance program. This program is a 2nd Lien No interest, no monthly payment.

The state agency which maintains this program for Texas is the Texas Department of Housing and Community Affairs. It is a deferred second loan up to 5% of the mortgage amount to be used for the down payment and closing costs.

It is a zero percent loan and no payments are required. But if you sell, refinance, or transfer ownership, the loan is due and payable at that time.

Even though its not a grant, it is still awesome assistance for those who do not have the funds for the down payment. Now the 1st mortgage will be at a little higher interest rate, but there you have it... a zero down financial situation.

They also have another program to save you money. It is called the "Texas Mortgage Credit Certificate Program." With this program you can save money on your taxes up to $2,000 per year. More money in your own pocket is always better! 

There are restrictions and limitations to these programs that you should look into before applying.

You should visit this website to determine your eligibility and obtain additional information.

Federal Home Mortgage Grants

In addition, the federal government offers grant assistance for first time home buyers in Texas. This program is maintained by the United States Department of Housing and Urban Development and is called the Homes and Communities program.

Their website contains useful information and applications. The website for the grant program maintained by the United States Department of Housing and Urban Development can be visited by using this link, HUD Grant Information.

Additional Home Buying Grants

Another website I would recommend that you view is Visit the Government Grants. This website offers a list of all federal government grant programs. It would be a good idea to take some time and browse through this site to see what it offers and the qualifications for application.

Of course you have to find a lender who will work with these different grant programs. That's where the challenge comes in.

While you are waiting for approval, start saving money. Sometimes these assistance programs run out of money early in the year, so you don't want that to stop you from buying a home. Then if you don't need the money you saved, whala, you can use the money to purchase things you want for your new home!

If you need help estimating your mortgage closing costs, check out this FREE closing costs calculator by clicking here.

Perhaps a grant is not available in your state. Or you do not qualify for one. Don't get discouraged. If you still want to save money, check out this page that discusses the zero down payment program.

Otherwise, you may want to look at programs that have low down payment requirements

So have you found a home? Are you thinking about getting qualified for a mortgage? Maybe you want to visit our page on how to qualify for a mortgage.

Would you like some help? Perhaps a personal coach to guide you through the process is what you're looking for. For free coaching, fill out the questionnaire here. Then you will be contacted and offered the assistance you seek.

Would you like to know what type of loans are available? Visit our Home Mortgage Information page for tons of information on all kinds of loans. Learn about FHA, VA, and various other types of options.

More Texas Home Buying Support

Thank you for visiting our website for first time home buyers. Below you'll find more information to help you with grants for housing.

Click here for additional information on Texas First Time Home Buyer Grants.

This link will take you to the HUD website and you will see a map of the USA. Click on your state and then you'll find a list of the local counseling agencies in your own area.

Please tell others about this FREE information. Everybody else on the web charges for this kind of stuff!!

Happy House Hunting!!


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