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Texas First Homes The Texas Department of Housing and Community Affairs (TDHCA) handles not only the My First texas home program, but all of the state’s first-time home buyer offers. This program is a 30-year fixed-rate loan with relatively easy-to-meet credit stipulations, along with decent interest rates.Hud Rural Development An overview of the Low Income Housing tax credit (lihtc) and Rural Development (RD) multifamily housing. There are other federal housing programs: Three largest HUD programs that serve the lowest income families-public housing, voucher program and Project-based Section 8. We plan to have a webinar covering those programs in the near future

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