THDA quiz · As of 10-28-2026
New construction check
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May not fit
The new construction help is for homes that are new or proposed, so a resale may not fit it. The other down payment options may still apply.
What this rests on
- Down payment help of up to $25,000 is available for new or proposed construction, as a 15-year 0% loan. As of 10-28-2026.
- Down payment help of 5% of the price, up to $15,000, is a 30-year loan that is paid down over time at the same rate as the first mortgage. As of 10-28-2026.
- Down payment help of up to $6,000 or up to $10,000 is a forgivable 0% second mortgage over 10 years. It is due if the home is sold or refinanced earlier. As of 10-28-2026.
Ask a lender
Whether the home counts as new depends on its history, so a THDA-approved lender is the one to confirm it.
What this rests on
- Down payment help of up to $25,000 is available for new or proposed construction, as a 15-year 0% loan. As of 10-28-2026.
Ask a lender
A new manufactured home has extra rules, such as a permanent foundation and proper title. Ask a THDA-approved lender whether the new construction help applies to it. Verify with THDA and Freddie guidelines.
What this rests on
- Down payment help of up to $25,000 is available for new or proposed construction, as a 15-year 0% loan. As of 10-28-2026.
- Income and purchase price limits depend on the county and the size of the household. As of 10-28-2026.
May fit
A new modular home on a permanent foundation is generally read like a site-built home, so the new construction help may be worth asking about. Verify with THDA and Freddie guidelines.
What this rests on
- Down payment help of up to $25,000 is available for new or proposed construction, as a 15-year 0% loan. As of 10-28-2026.
- Income and purchase price limits depend on the county and the size of the household. As of 10-28-2026.
May fit
A new home may open up the new construction help. A builder's offer to help with costs is worth asking your THDA-approved lender about, so the two work together.
What this rests on
- Down payment help of up to $25,000 is available for new or proposed construction, as a 15-year 0% loan. As of 10-28-2026.
- Great Choice Plus and Homeownership Heroes need a THDA-approved homebuyer course. As of 10-28-2026.
May fit
A new or proposed home may open up the new construction help. A THDA-approved lender confirms what applies.
What this rests on
- Down payment help of up to $25,000 is available for new or proposed construction, as a 15-year 0% loan. As of 10-28-2026.
- Great Choice Plus and Homeownership Heroes need a THDA-approved homebuyer course. As of 10-28-2026.