First-Time Homebuyer Program

Designed for First-Time Homebuyers

TCBTX HomeStart is built to make homeownership more accessible and affordable— especially for first-time buyers. With flexible credit options, low down payment, and grant assistance available from our bank, we’re here to help you get into your first home with confidence.

TCBTX First-Time Homebuyer Grant Assistance

Buying your first home is a big step—and we’re here to help make it more affordable. Our Grant Assistance Program provides financial support to qualified homebuyers, helping reduce upfront costs and make homeownership more accessible.

Program Overview

The Grant Assistance Program offers eligible borrowers grant funds that can be used to cover 2% of your down payment- up to $7,000 (while funds last). This is a true grant, meaning no repayment is required when program guidelines are met.

Important:

The Grant Assistance Program is restricted to eligible properties located within the bank’s approved REMA assessment areas. These areas presently include parts of Dallas, Ellis, and Kaufman counties. Program eligibility is subject to geographic and other underwriting requirements.

Key Benefits:

• Up to $7,000 in grant assistance
• No repayment required (subject to program guidelines)
• Can be combined with other eligible first-time homebuyer programs
• Helps reduce out-of-pocket expenses at closing

Eligibility Highlights:

• Must be a first-time homebuyer (or meet program-specific criteria)
• Property must be located within the bank’s approved REMA assessment areas
• Must meet income and loan qualification requirements