Texas Department of Housing and Community Affairs (TDHCA)

At Oz Lending, we’re committed to making homeownership accessible for more Texans. That’s why we proudly offer TDHCA Down Payment Assistance—designed to help first-time homebuyers or those who haven’t owned a home in the past three years.

Through this program, eligible buyers can receive financial assistance for their down payment and closing costs, reducing the upfront expenses of purchasing a home. Whether you’re a veteran, a first-time buyer, or someone simply looking for a fresh start, our team is here to guide you through the process and ensure you take full advantage of the opportunities available.

With competitive fixed-rate mortgage options and potentially forgivable grants or loans, achieving your dream of homeownership has never been more within reach. Contact us today to learn more about how we can help you get started on your journey to owning a home!

Paying too much for your mortgage?

Just answer the simple questions below to calculate a lower mortgage rate & payment. We make the process quick & easy.

Loan Requirements

Min. Credit score:

Min. Down Payment:

Loan Features

Designed for first-time homebuyers
Includes homebuyers who have not owned a home for the past three years
Financial assistance for their down payment and closing costs

Disclaimer: This is not an approval or a commitment to lend. This information is provided in an effort to better inform you about the loan products we offer at Oz Lending. Rates, terms and conditions are subject to change without notice.

Whether it’s refinancing, buying a new home, building a home, or applying for home equity loans or second mortgages; we have an experienced, around the clock, qualified team of accessible “Wizards” who are with you every step of the homeownership process.

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