Texas Department of Housing & Community Affairs

One of the biggest challenges facing first-time homebuyers is having enough money for closing. Northpointe Bank offers several programs that can help. In partnership with the Texas Department of Housing & Community Affairs, Northpointe Bank offers qualified borrowers up to 5%* of the home loan for use towards the down payment and closing costs. Buying a home may be more affordable than you think.

  • Eligible for new or existing properties purchased anywhere in Texas
  • My First Home program is available to first time buyers only
  • My Choice program is available to first time and repeat buyers
  • Income limitations apply
  • Minimum credit score of 620
  • Homebuyer education course is required
*Down payment assistance is in the form a second lien that does not require monthly payment, features a zero interest rate and is required to be repaid upon sale, refinance or if the borrower ceases to occupy the property. This is not a commitment to lend. All loans subject to credit review and approval.