Texas Department of Housing & Community Affairs



   TDHCA Programs



Lender / Program Portal


TDHCA Programs  

  • Issued in Commitment Lots
  • Program 79 – Reservation locks are available business days between 9 am & 7 pm (10 am-8 pm EST)
  • MCC and All other system features available 24/7, 365
  • Program 79
  • Program 79 w/MCC as an additional
  • MCC 82 New! 
    (any use of the MCC options must follow most restrictive rules.  For details see Administrator’s Guidelines)
ELIGIBLE AREAS 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 – Program 79 
  • FHA, VA, RHS, Conventional – MCC
  • Program 79 – Down payment and Closing Assistance determined by Commitment Lot Notices (See Rates).  DPA is a second lien, 30-year term, and due on sale/transfer.
  • Program 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 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 here to View the Program Income Limits. (for details on income, see Administrator’s Guidelines)
  • Program 79
    • Household income is considered for All Borrower(s) – (Only Borrowers) 
  • MCC , Program 79 w/MCC as additional 
    • Household income is considered for All Borrower(s) and Spouse (includes NPS) 
  • Click here to View the Program Acquisition Limits.
  • Pre-Purchase Homebuyer education course required for all Borrowers.
    Click here to View the Homebuyer Education Provider List.
  • Mid score must be 640 or higher for all Borrowers.  Program 79
  • not applicable – MCC
  • Co-signers are permitted in accordance with FHA requirements. For details, Click here
  • Program 79, Program 79 w/MCC as additional- 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

Program 79 – Commitment Lot 18 Click to View

  • Effective 1/15/2014
  • 4.750%
  • $35 million
All loans must be delivered within 45 days of the Reservation Date & Purchased within 60 days of Reservation Date
SRP-Upon purchase of the Mortgage Loan by the Servicer, the Lender will receive a Servicing Release Premium in the amount of 0.75% of the purchased principal amount of the Mortgage Loan provided that the Servicing Release Premium will be no less than $750.
All Mortgage Loans must be delivered within 60 days of the Reservation Date

Program 79 DPA – 5.00% – of the final loan amount 


MCC - current MCC Rate is 40% on all new reservations

  • MCC program determined at reservation - 40% Rate
  • Lot A – Effective 4/11/2014 Click to View   New!
MCC 82  New!

  • Lot A – 40% Credit Rate – Effective 04/11/2014 Click to View


MCC 81


MCC 80

  • Lot C – 40% Credit Rate – Effective 1/2/2014 Click to View  
  • Lot A & Lot B – 35% Credit Rate (Program started in 2009)
Previous Rates- Program 79
      • Lot 17 – 5.00% (eff 12/20)
      • Lot 16 – 4.75% (eff 11/12)
      • Lot 15-4.50% (eff 10/24)
      • Lot 14-4.75% (eff 10/8)
      • Lot 13-5.00% (eff 9/17)
      • Lot 12-5.25% (eff 8/20)
      • Lot 11-5.00% (eff 7/23)
      • Lot 10-5.25% (eff 7/1)
      • Lot 9 – 5.00% (eff 6/24)
      • Lot 8 – 4.50% (eff 5/30)
      • Lot 7 – 4.00% (eff 5/22)
      • Lot 6 – 3.75% (eff 4/16)
      • Lot 5 – 4.000% (eff 4/8)
      • Lot 4 – 4.000% (eff 2/25)
      • Lot 3 – 3.750% (eff 1/11/2013)
      • Lot 2 – 3.250% (eff 12/10/2012)
      • Lot 1 – 3.500% (eff 10/10/2012)




Administrator Guidelines Administrator's Guidelines

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

  • 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.

  •  Sample Notices to Buyers       (Blank form in case needed to disclose prior reserving the loan)
  •  Sample of ALL Program Forms           


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

Both Program 79  & MCC   

ONLY Program 79


  • Academy Mortgage Corporation
  • ARK-LA-TEX Financial Services, LLC – dba Benchmark Mortgage
  • Aspire Financial, Inc. 
  • Bay Equity LLC
  • Caliber Home Loans, Inc
  • Capstar Lending, LLC
  • Cendera Funding, Inc.
  • 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
  • Gardner Financial Services dba Legacy Mutual 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)
  • Hometrust Mortgage Company
  • Houstonian Mortgage Group, Inc.
  • InterLinc Mortgage Services, LLC
  • K. Hovnanian American Mortgage, LLC.
  • LoanDepot LLC dba iMortgage
  • MI Financial Corporation
  • Mid America Mortgage, Inc.
  • Mission Mortgage of Texas, Inc.
  • National Bank Mortgage
  • Nations Reliable Lending
  • Nationstar Mortgage, LLC
  • Network Funding, L.P.
  • New Penn Financial, LLC
  • Oak Mortgage Group
  • Paramount Residential Mortgage Group (PRMG)
  • Premier Nationwide Lending (NTFN, Inc.)
  • PrimeLending Primewest Mortgage Corp.
  • Pulte Mortgage LLC
  • Republic State Mortgage Company
  • Sente Mortgage
  • SFMC, LP dba Service First Mortgage Co
  • The Home Lending Group
  • The Lending Partners, LLC
  • TXL Mortgage Corporation
  • Universal American Mortgage Company
  • Wells Fargo Home Mortgage
  • Weststar Mortgage Corporation
  • Willow Bend Mortgage
  • WR Starkey Mortgage, LLP
  • Affiliated Bank
  • American Midwest Bank
  • Bay Equity LLC.
  • Broker Solutions Inc., dba New American Funding
  • Capstar Lending
  • Castle & Cooke Mortgage, LLC
  • Cendera Funding, Inc.
  • Churchill Mortgage Corporation
  • Community Development Corporation of Brownsville
  • First Community Bank
  • First National Bank – El Paso
  • GenEquity Mortgage, Inc.
  • Global Advisory Group, Inc. dba Mortgage Advisory Group
  • Hancock Mortgage Partners
  • Loan Simple, Inc.
  • Northstar Bank of Texas
  • PNC Mortgage
  • PrimeWest Mortgage Corp.
  • RANLife,Inc.
  • RMC Mortgage Corporation
  • Rocky Mountain Mortgage Company
  • Stearns Lending, Inc.
  • SWBC Mortgage Corporation
  • US Bank Home Mortgage
  • Venta Financial Group Inc dba Alterra Mortgage
  • Whitney National Bank
  • Wintrust Mortgage
  • Affiliated Mortgage Company
  • American Southwest Mortgage
  • Americas Choice Home Loans
  • Amarillo National Bank
  • AMCAP Mortgage LLC dba Gold Financial Services
  • AmeriPro Funding, Inc.
  • Bank of America
  • Bank of Oklahoma dba Bank of Texas
  • Great Plains National Bank
  • Homeway Mortgage
  • Homewood Morttgage, LLC
  • IberiaBank Mortgage Company
  • IHS Mortgage, LLC
  • JP Morgan Chase
  • Liberty Mortgage (Wendeburg Interests, Inc.)
  • Mortgage Pros, Inc
  • Oak Mortgage Group
  • Patriot Bank Mortgage, Inc.
  • Security America 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
  • Venta Financial Group, Inc. (Alterra Mortgage)
  • Victorian Finance, LLC

































Interested in becoming a participating lender?  Contact us.

Program Updates

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

11/21- TDHCA – Celebrate The Season ……  In an effort to further assist borrower’s wishing to purchase their first home, the Texas Department of Housing & Community Affairs (“TDHCA”) is pleased to offer a reduced MCC Stand-Alone Issuance fee for any MCC’s reserved during the month of December.  The fee will temporarily be reduced from its current 1% of the Mortgage Loan amount to $500!

A special thanks to all of our participating lender partners on another successful year.  Happy Holidays from all the homeownership staff at TDHCA!


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)

Effective 2/25/2013 – NEW Extension Fees have been set for Lot 4.  There is only a 30 day extension option at a fee of .375% of loan amount.

Effective 1/25/2013 – NEW DPA FUNDING GUIDELINES: Please review memo and New Funds Request Form.

Effective 12/10/2012 the First Mortgage Rate is reduced to 3.25%. All loans must be delivered within 60 days of the Reservation Date. Upon purchase of the Mortgage Loan by the Servicer, the Lender will receive a Servicing Release Premium in the amount of 0.75% of the purchased principal amount of the Mortgage Loan provided that the Servicing Release Premium will be no less than $750.  Extension request below lenders

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 refrence the guidelines posted on the Summary Tab.

Any loan not purchased within 60 days is ineligible for purchase unless the lender chooses a one-time 30 day extension.
The cost of the extension is 0.375% of the actual principal amount of the Mortgage Note.  The extension fee is due whether or not loans are ultimately delivered and/or purchased.  The extension fee will be netted by the Servicer when loans are purchased.  Any outstanding fees owed by the Lender may result in that Lender becoming ineligible to participate in the Program.

Again, the extension is offered once per loan and no further extensions will be allowed. Furthermore, regardless of choosing an extension, any loan not purchased within the approved timeframe will become the liability of the originating lender, including any down payment assistance provided at closing.





[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

eHP Lender Program Training- Required for everyone participating in the program and is offered 24/7.

eHP System Training*- After you complete the online Lender Program Training, information is provided as to what happens next. To register for eHP System training, Click here. Please make sure you sign up for system training; do not wait until the last minute and put your loan closing at risk.

Should you have any questions on either training, please contact jennifer@ehousing.cc or services@ehousingplus.com

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.