Texas Department of Housing & Community Affairs


       TDHCA Programs




Lender / Program Portal



for details on all summary items, please see the Administrator’s Guidelines-Guide & Forms Tab
  • Issued in Commitment Lots
  • Program(s) 79
    • Reservation locks are available on business days between 9 am & 7 pm (10-8 EST)  All other system features are available 24/
  • MCC 82
  • Program 79 (0% Origination)
  • Program 79 (2% Origination)
  • Program(s) 79 w/MCC as an additional
  • MCC 82
  • Statewide Texas
LOAN TIME LINE REQUIREMENTS Loan Processing, Delivery and Purchase Timetable. Once a loan is reserved in the eHousingPlus system, the loan must be:

  • Underwriter Certified in eHP system prior to closing – All programs
  • Approved by eHP and Purchased by Servicer within  60 days of loan reservation – Program 79
  • Closed, delivered to eHP and Approved by TDHCA within 90 days of loan reservation – MCC 
  • FHA, VA, RHS, HFA Preferred -Program(s) 79 
  • FHA, VA, RHS, Conventional – MCC
  • Program(s) 79Down payment and Closing Assistance determined by Commitment Lot Notices (See Rates).
  • 2 options  -
    1. ASSISTED -  5% assistance based on the final loan amount
    2. DPA PLUS -  up to $8,000 amount  NEW!
  • both options are a second lien, 30-year term, and due on sale/transfer.
  • Program(s) 79
    • All Borrower(s) must qualify (Only Borrowers) First-Time Homebuyers
    • Occupy the Property being purchased as their Principal Residence with 60 days of Closing
    • IRS Tax Transcripts for past 3 yrs.
  • MCC , Program(s) 79 w/MCC as additional 
    • All Borrower(s) & Spouse (including NPS) must qualify First-Time Homebuyers
    • Occupy the Property being purchased as their Principal Residence with 60 days of Closing
    • IRS Tax Transcripts for past 3 yrs.
    • Must have SS# or Tin
      (for details, see Administrator’s Guidelines)
  • Click to view the Program Income Limits    NEW!
  • Program(s) 79
    • Using 1003 Credit Qualifying income  
  • MCC , Program(s) 79 w/MCC as additional 
    • Household income is considered for All Borrower(s) and Spouse (includes NPS)
  • Pre-Purchase Homebuyer education course required for all Borrowers.  see guidelines for details
  • not applicable – MCC
  • Applies to all borrowers – Program(s) 79
    • Government loans -  Minimum FICO 640, Max DTI 45%
    • HFA Preferred loans – Max DTI 45%, Minimum FICO 640 for LTVs 95% or lower, Minimum FICO 680 for LTVs 95.01-97%
    • Max DTI for FICO scores 660 or higher  – see guidelines for details
  • Co-signers are permitted in accordance with FHA requirements. For details, Click here
  • Program(s) 79 - A 30 day extensions is available, for a fee (0.375% of the final loan amount) and must be requested prior to the 60th day.  See guidelines for details. To request an extension, Click here
  • Issues the programs
  • Creates the first mortgage and down payment assistance options
  • Sets the rate, term and points
  • Lender relationships
  • Markets the program
  • Take applications into Programs
  • Reserve in eHousingPlus system
  • process, underwrite, approve, fund, close and sell qualified loans to the program’s Master Servicer.
  • Check with your company on how to reserve a loan in your own system so that you have funds available for closing.
  • Responsible for servicing first and second program loans in accordance with Agency requirements until they’re purchased by the Master Servicer.
  • Provides information and training concerning the mortgage loan file, acceptable loan products, delivery and funding, reviews/purchases the mortgage file
  • Servicer Lender Guides,Click here
    • If you need assistance getting to the Servicer Lender Guides, Click here.
    • Need help
  • Contact eHousingPlus for questions related to the compliance file, income, first-time buyer, Tax requirement, access to the program, training, eHP system, web site, administrator guidelines
  • Contact US Bank for questions related to the mortgage file, escrow, DU findings, insurance, high priced loans, MDIA, Respa, payments
  • Contact TDHCA for MCC
Program 79 Reservation/locks – Available on Business days 9:00am – 7:00pm (10 am – 8 pm EDT)  excluding holidays

Current Rates & Offerings                                                                   

Options/Offerings Origination DPA Lock Rate Commitment Lot  Effective Date
All Government Loans 0.0% w/5% DPA 4.875% 38   View 3/19
HFA Preferred 0.0% w/5% DPA 5.25% 38  3/19
…                                                                                                              5.00% assistance is based on the final loan amount (as per Note) 
All Government Loans 2.0% w/5% DPA 4.375% 38 3/19
HFA Preferred 2.0% w/5% DPA 4.75% 38 3/19
                                                                                                                5.00% assistance is based on the final loan amount (as per Note) 
DPA PLUS (Gov’t Loans Only)  0.0%  $8,000  DPA  5.00% 38  3/19
…                                                                                                              up to $8,000       
MCC 82  current MCC rate is 40% C   View  1/1/15



  • MCC 82  40% - Lot B - 11/20/14 Holiday Special Click to View  , Lot A View
  • MCC 81  40% – Lot C View, Lot B  View, Lot A View  / MCC 80 – Lot C – 40% Credit Rate – (1/2)View  ,Lot A & Lot B – 35% Credit Rate  


  • Lot 37 view, Lot 36 view, Lot 35 view, Lot 34 view, Lot 33 View , Lot 32 view, lot 31 view, Lot 30 View, Lot 29 ,  Lot 27 View, Lot 26 View,  Lot 25  lot 24  Lot 23 View, Lot 22 View , Lot 21 View  ,  Lot 20 View  * June’s Celebration, view   , Lot 19 View 
  • Lot 18 – 4.75% (1/15), Lot 17 – 5.00% (12/20), Lot 16 – 4.75% (11/12), Lot 15-4.50% (10/24), Lot 14-4.75% (10/8), Lot 13-5.00% (9/17), Lot 12-5.25% (8/20), Lot 11-5.00% (7/23), Lot


eHousingPlus is the Program Administrator, and provides some of the following services:    

Administrator Guidelines Administrator's Guidelines      

  • Provides the web-based program loan reservation and management system, Administrator’s Guidelines, Program forms, Lender Program and System Training, Notices and updates to Lenders, Compliance Support to Lenders, Reviews Compliance Files, Timelines, Works with the Agency and Master Servicer on Program Goals.
  • Need help,Click here

Program Documents are the same for both the TMP79 & MCC Programs – Note: Program forms are accessed after the loan is reserved/certified in our system. The program forms are auto-generated based on the loan data information provided at reservation, updated and certified.

  •  Notices to Buyers         (Blank form in case needed to disclose prior reserving the loan)
  • Program Samples               


The Following Lenders have been approved to originate loans in Program(s):

Both Program 79  & MCC   

ONLY Program 79


  • Academy Mortgage Corporation
  • Affiliated Bank
  • American Financial Network, Inc.
  • AmeriPro Funding, Inc.
  • Annie-Mac Home Mortgage
  • ARK-LA-TEX Financial Services, LLC – dba Benchmark Mortgage
  • Aspire Financial, Inc.
  • Bay Equity LLC
  • Bridgeview Mortgage LLC
  • Broker Solutions Inc., dba New American Funding
  • Caliber Home Loans, Inc
  • Capstar Lending, LLC
  • Castle & Cooke Mortgage, LLC.
  • Cendera Funding, Inc.
  • Citywide Home Loans
  • CMG Mortgage, INC DBA CMG Financial
  • Colonial National Mortgage , a Division of Colonial Savings, F.A.
  • Cornerstone Home Lending, Inc.
  • DHI Mortgage Co., Ltd.
  • Envoy Mortgage, Ltd
  • Everett Financial, Inc., dba Supreme Lending
  • Fairway Independent Mortgage Corp
  • First California Mortgage DBA FirstCal
  • First Choice Loan Services, Inc.
  • First Continental Mortgage, LTD.
  • FNBT dba First Community Mortgage
  • Gateway Mortgage Group, LLC
  • Georgetown Mortgage, LLC
  • Guild Mortgage Company
  • Hamilton Group Funding,  Inc
  • Hancock Mortgage
  • Highlands Residential Mortgage
  • HomeBridge Financial Services, Inc (prev REMN)
  • Home Community Mortgage LLC
  • Hometrust Mortgage Company
  • Houstonian Mortgage Group, Inc.
  • InterLinc Mortgage Services, LLC
  • International City Mortgage, Inc.
  • K. Hovnanian American Mortgage, LLC.
  • LoanDepot LLC dba iMortgage
  • Loan Simple Inc.
  • LeaderOne Financial Corp.
  • Mid America Mortgage, Inc.
  • MI Financial Corporation
  • Mission Mortgage of Texas, Inc.
  • Nations Reliable Lending
  • Nationstar Mortgage, LLC
  • Network Funding, L.P.
  • New Penn Financial, LLC
  • Northstar Bank of Texas
  • Oak Mortgage Group
  • Open Mortgage, LLC
  • Paramount Residential Mortgage Group (PRMG)
  • Premier Nationwide Lending (NTFN, Inc.)
  • Primary Residential Mortgage
  • PrimeLending
  • Pulte Mortgage LLC
  • Republic State Mortgage Company
  • Security National Mortgage Company
  • Sente Mortgage
  • SFMC, LP dba Service First Mortgage Co
  • SWBC Mortgage Corporation
  • Texas Bank Financial dba Texas Bank Mortgage Co.
  • The Home Lending Group
  • The Lending Partners, LLC
  • TXL Mortgage Corporation
  • Universal American Mortgage Company
  • Venta Financial Group Inc dba Alterra Mortgage
  • Wells Fargo Home Mortgage
  • Willow Bend Mortgage
  • WR Starkey Mortgage, LLP
  • Amegy Bank
  • American Midwest Bank
  • BancorpSouth Bank
  • Churchill Mortgage Corporation
  • Diamond Residential Mortgage Corp.
  • Fidelity Bank
  • First Community Bank
  • First National Bank – El Paso
  • GenEquity Mortgage, Inc.
  • Global Advisory Group, Inc. dba Mortgage Advisory Group
  • GSF Mortgage Corporation
  • Hancock Mortgage Partners
  • Happy State Bank
  • Pioneer Bank
  • PrimeWest Mortgage Corp.
  • Rocky Mountain Mortgage Company
  • Stearns Lending
  • Stonegate Mortgage Corp
  • Texas Loan Star Bank
  • US Bank Home Mortgage
  • Vision One Mortgage, Inc.
  • Whitney Bank
  • Wintrust Mortgage
  • W.J. Bradley Mortgage Capital
  • Amarillo National Bank
  • AMCAP Mortgage LLC dba Gold Financial Services
  • American Southwest Mortgage
  • Americas Choice Home Loans
  • Bank of America
  • Bank of Oklahoma dba Bank of Texas
  • City Bank Mortgage
  • Compass Mortgage, Inc.  
  • Counselors Mortgage Corp
  • Elite Financing Group, LLC.
  • First American Mortgage
  • First National Bank of Trenton
  • Gardner Financial Services dba Legacy Mutual Mortgage
  • Great Plains National Bank
  • Homeway Mortgage
  • Homewood Mortgage, LLC
  • IberiaBank Mortgage Company
  • IHS Mortgage, LLC
  • JP Morgan Chase
  • Legacy Mutual Mortgage
  • Liberty Bank and Trust Co.
  • Liberty Mortgage (Wendeburg Interests)
  • MLD Mortgage, Inc. DBA The Money Store 
  • Mortgage Pros, Inc
  • Mid America Mortgage, Inc.
  • New Penn Financial, LLC
  • Patriot Bank Mortgage, Inc.
  • PNC Mortgage
  • Prospect Mortgage
  • RANLife,Inc.
  • Residential Bancorp
  • RMC Mortgage Corporation
  • Security American Mortgage
  • Southwest Funding, LP
  • Standard Pacific Mortgage, Inc.
  • Success Mortgage Partners, Inc. (SMP Mortgage, Inc.)
  • Top One Mortgage LLC
  • Town Square Mortgage & Investments, Inc. dba Town Square Financial
  • Victorian Finance, LLC
  • Weststar Mortgage Corporation
  • Whitney Bank



Program Updates
  • 3/16- New Income Limits. Read more
  • 3/4-the TDHCA DPA PLUS Program will accommodate the Assistance up to $8,000 – previously it was a flat $8,000
  • 1/6/2015 – TDHCA is pleased to kick off the New Year and 2015  with the announcement of an additional down payment assistance option.  Effective Tuesday January 6th,  mortgage loans originated under the TMP-79 program will provide the borrower with a 30-year fixed interest rate mortgage loan and assistance, at the option of the homebuyer, in an amount equal to5% of the mortgage loan or $8,000.  The $8,000 down payment assistance option (DPA Plus) is being made available for those borrowers purchasing lower priced homes that need additional financial assistance in order to make homeownership a reality.   The interest rate associated with the $8,000 assistance option will be provided on the Commitment Lot Notices and will carry a slightly higher interest rate in order to cover the associated costs of providing it.  In addition, TDHCA has increased program funding by 1 BILLION.    read more
  • 11/20 – Holiday Specialsee MCC Lot Bclick to view
  • 10/14Additional Options for TDHCA Homebuyers  - we are pleased to announce a new option for first time homebuyers. TDHCA will offer a 0% origination point program for first time homebuyers as well as its existing 2% origination point option while maintaining the availability of 5 points of down payment and closing cost assistance for either option.   Read more
  • 10/14 – In determining family income for the TMP-79 mortgage loan program only, the Fannie Mae 1003 income of all borrowers expected to both live in the residence and be liable on the security instrument must be taken into account. For loans receiving MCC’s, non-purchasing spouse income must be included.Non-purchasing spouses -
  • 10/14 – For TMP-79 Loans only, non-purchasing spouses are not required to be included in the family income calculation. For loans involving MCC’s, the income of non-purchasing spouses must be included in the family income calculation.
  • 6/9-In prior email correspondence dated 5/12/14, the Texas Department of Housing and Community Affairs (TDHCA) agreed to cover the additional Funding Fee increase being passed along by our Servicer – US Bank, contingent upon TDHCA Governing Board approval.  We are happy to announce that the Board met yesterday at its regularly scheduled monthly meeting and agreed to cover the additional fee on all TMP-79 loan reservations made on or after June 9, 2014.  As a result of this action, the Funding Fee will remain at $150.
  • 6/2-As part of June’s celebration of Homeownership Month, the Texas Department of Housing and Community Affairs (TDHCA) is pleased to announce that it will be waiving the Compliance File Review Fees on all TMP-79 and TMP-79/MCC Combos.  The waiver will be effective on reservations made on or after Monday June 2nd and throughout the remainder of the month.  We are pleased to make this offer to further assist homebuyers in their efforts to attain the dream of homeownership.  Click to view
  • 5/14 – clarification on FICO & DTI Requirements (please see guidelines).
  • 5/14 – HFA Preferred is launched
  • 5/13 – HFA Preferred Training
  • 4/14- MCC 82 is Launched
  • 1/13 – New Income Limits. See Administrator Guidelines
  • 1/10 – New Targeted areas.  See Administrator Guidelines
  • 1/2/2014- MCC 81 Lot C issued.  Issuance Fee is 1% of the final loan amount.  See rates for detains on the posted Lot C notice
  • 7/1/2013 – TDHCA will no longer fund the DPA.  Lenders upfront & will be reimbursed bu US Bank when the loan is purchased.  This is how it used to be prior to HUD’s mandate in 2/2013 where TDHCA funded the DPA.
  • 7/1/2013 – Mortgagee Letter 2013-14
  • 7/1/2013 – TDHCA MCC Programs are available online.  Please make sure you do NOT have an MCC with TDHCA prior to reserving an MCC to your TMP79 loan.
  • 6/24 – TDHCA lender training Monday (6/24) and Tuesday(6/25)
  • TDHCA Program 79 – Started Oct 10, 2012 – If you missed the TDHCA 79 webinar on 10/6, there are changes to this program.  Please take the time to read the guidelines posted on the Summary Tab or attend the online program training posted on the Training Tab.   Should you have any questions, please contact Sue@ehousing.cc or Jennifer@ehousing.cc .



Click here to request an extension. ** Request MUST be submitted before the 60th day.  This request is only for loans that closed and have been received both by eHousingPlus and US Bank. For more details, please reference the guidelines.





[tab title=”Program FAQs“]

What is the First Time Homebuyer Program?
The First Time Homebuyer Program is a program offered by the state of Texas to help Texans buy their first home. The program provides low-interest rate home loans for eligible families and individuals through the sale of tax-exempt mortgage revenue bonds.
Who is eligible for the program?
Homebuyers who have not owned and occupied within the past three years, who meet program income guidelines and do not exceed the program purchase price limits are eligible to apply for a loan under this program.
What type of home can I buy?
Any new or existing home in the state of Texas that does not exceed the maximum purchase price limits of the program. Manufactured homes are allowable if the home is permanently affixed to a foundation and meet FHA guidelines. All homes purchased under this program must meet certain quality standards.
Are Conventional Loans allowed in this program?
No, All Conventional loans were Suspended on 1/9/2012 (Fannie Mae, Freddie Mac) Click here for details.
Are funds available for downpayment and closing cost assistance?
Program 79 provides an Assisted Rate Option, which gives a borrower 5% of the Loan Amount for Down payment and Closing Cost Assistance. The system will automatically calculate this amount when the ‘Assisted Rate’ option is selected. The Lender has to request the DPA Funds Prior to Closing so that the funds can be wired directly to the Title COmpany/Closing Agent.  Please read the NEW Guidelines related to DPA Funding.
What is recapture tax?
Homebuyers that receive a loan through the First Time Homebuyer Program may be subject to a Federal Recapture Tax. If you: (1) sell your home within nine years; (2) earn significantly more income than when you bought the home; and (3) gain or profit from the sale of the home, you may be subject to recapture tax.
What is a Qualified Veteran’s Exemption?
A service man or woman is considered a first time homebuyer if he/she does not meet the 3- year criteria and has not previously received financing as a first-time homebuyer. The serviceman/ servicewoman may have owned a previous property; however, the property may not have been financed through a first-time homebuyer financing program.
Can a Duplex be financed under the program?
Yes, a duplex may be financed under the program. To qualify as an eligible purchase, one unit of the duplex must be occupied by the Eligible Borrower as his or her Principal Residence.
Does the homebuyer have to repay the Down payment Assistance?
Yes, the DPA must be repaid. All DPA loans will have a stated term of (30) thirty years from the date of settlement of the DPA Loan. The Mortgagor (or “Eligible Borrower”) who finances a Residence with a Mortgage Loan and a DPA Loan will be required to repay the loan prior to the stated term of thirty years from date of settlement if the Mortgagor sells, refinances, transfers, or otherwise disposes of or ceases to occupy the Residence within the thirty ( 30) year term of the DPA Loan.
Does the first time homebuyer requirement apply to homes owned within the United States only or for foreign owned homes too?
The first-time homebuyer requirements is for ANY homeownership, regardless of location, within the past three years.


EhousingPlus University

  1. eHP Lender Program Training
    • Required for everyone participating in the program
    • offered 24/7
    • Click here to attend Program training  (TMP 79 and/or MCC)
  2. eHP System Training*
    • After you complete the online Lender Program Training, information is provided as to what happens next.
    • Click here to register for system training


Should you have any questions on training, please contact jennifer@ehousing.cc

To read more about eHP Program Training, click here.

* System Training is required at least once, so that users gain the knowledge necessary to originate and manage their loans on-line. eHP University provides additional opportunities to re-train and/or refresh your system knowledge. Recurring (experienced) system users do not need to attend system training.