Help you may get in Harris County
$14,475
My First Texas Home: deferred loan, repaid when you sell or refinance. 2 programs likely fit, 1 to check.
| Your income vs. area median for 3 people | 91% |
| HUD 80% income limit, 3 people | $74,900 |
| Down payment at 3.5% | $10,500 |
| Cash still needed with the help | $0 |
| Monthly payment, no help | $2,004 |
| Monthly payment, with the help | $2,004 |
| FHA limit · conforming limit | $541,287 · $832,750 |
Programs read on the Texas Department of Housing and Community Affairs (TDHCA) pages; HUD FY 2026 limits; payment = principal and interest over 30 years at 7.4% (Freddie Mac, October 15, 2026). The approved lender confirms eligibility.
| Program | Fit | Amount | Form | Why |
|---|---|---|---|---|
| My First Texas Home | Likely fits | $14,475 | Deferred loan, repaid when you sell or refinance | income, price and buyer fit |
| Texas Mortgage Credit Certificate | Likely fits | tax credit | Federal tax credit | income, price and buyer fit |
| My Choice Texas Home | Check with the agency | $14,475 | Deferred loan, repaid when you sell or refinance | county income limit not transcribed: see the agency table |