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| First Time Homebuyer Programs | |
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Please scroll down to available programs. SETH Single Family Bond Program- SETH has a program that provides financing for your home purchase. This program has two choices available for eligible homebuyers. Option 1: First Time Homebuyers
Option 2: Not a First Time Homebuyer* or Without a Grant
Program coverage areas include the counties of Austin, Brazoria, Chambers, Liberty, Matagorda, Waller, Walker & Wharton and the cities of: Baytown, Deer Park, Dickinson, La Marque, La Porte, League City, Pasadena, Santa Fe, Shoreacres, Texas City and Tomball.
* View program guidelines for complete details on eligible program areas without a First Time Homebuyer requirement.
Texas Department of Housing and Community Affairs (TDHCA) HOME Program-
SETH administers the first time homebuyers program for the Texas Department of Housing and Community Affairs (TDHCA.) The program provides up to $10,000 for use toward the down payment and closing costs associated with purchasing a new or existing home. Program coverage areas include the counties of Austin, Chambers, Matagorda, Wharton, Waller or in the cities of Cleveland, Huntsville, Bayou Vista, Bolivar Peninsula and Hitchcock.
SETH 2009 Mortgage Credit Certificate Program (MCC)- SETH has a program that provides a tax credit of up to $2,000/year for eligible homebuyers. The tax credit is received each year for the life of the mortgage loan. This program has higher income limits and does not have a first time homebuyer requirement for many of our jurisdictions. Program coverage areas include the counties of Austin, Brazoria, Chambers, Liberty, Matagorda, Waller, Walker & Wharton and the cities of: Baytown, Deer Park, Dickinson, La Marque, La Porte, League City, Pasadena, Santa Fe, Shoreacres, Texas City and Tomball.
Mortgage Credit Certificates Programs (MCC) Administered by SETH – SETH administers many other local area MCC Programs. These MCC Programs provide a tax credit for the life of the mortgage loan. The amount of the tax credit is determined by the amount of interest you pay on the mortgage loan each year. MCC’s help reduce a homeowners burden by providing additional income for the family each year. Please select one of the following programs for more information.
Serving the counties of: Carson, Collingswood, Dallam, Deaf Smith, Donley, Gray, Hall, Hansford, Hartley, Hemphill, Hutchinson, Lipscomb, Moore, Ochiltree, Oldham, Parmer, Potter (excluding the City of Amarillo), Randall, Roberts, Sherman, and Wheeler. Available in the counties of: Brazos, Burleson, Grimes, Leon, Madison, Robertson, and Washington. Helping homebuyers purchase homes in the City of Galveston. Serving those buying a home in Galveston County, but outside the following city limits (not paying city taxes) – Dickinson, Galveston, La Marque, League City, Santa Fe, or Texas City. In addition to the tax credit provided, eligible first time homebuyers may receive a $2,000 grant with this program. Available for homes located in Harris County, but outside the city limits of: Houston, Baytown, Deer Park, Friendswood, La Porte, League City, Missouri City, Pasadena, and Pearland.
SETH administers the first-time homebuyers program for the city of Pasadena. These funds are available to first-time homebuyers in an amount not to exceed $7,500 for a existing home, $14,500 for a newly constructed home, or $19,000 for a home in the Sunrise Meadows Subdivision per household. These funds may be used for down payment and closing costs to purchase a home in Pasadena, Texas.
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