100% FINANCING AVAILABLE FROM DHI MORTGAGE FOR ELIGIBLE BORROWERS
100% FINANCING OPTIONS
DOWN PAYMENT ASSISTANCE OPTIONS 100% financing when first lien mortgage is paired with one of the programs PROGRAM 1 3
USDA Home Loans1
The USDA Rural Housing program is designed to give borrowers in specified areas 100% financing. Highlights include competitive interest rates, one time guarantee fee of 1% (may be financed), maximum loan to value is 101% of appraised value, no minimum cash contributions from borrower, gift funds allowed (if needed) and first-time home buyers allowed.
The SETH 5 Star Bond Program combines an FHA, VA, or USDA first mortgage loan with a down payment assistance second lien of up to 3% of the loan amount for eligible borrowers in Texas with additional options of up to 5% on FHA and Conventional loans only. There is no first-time homebuyer requirement.
VA Home Loans2
PROGRAM 2 4
Backed by the U.S. Department of Veteran Affairs, VA loans are designed to help qualified veterans, reservists, and active duty members finance homes with 100% financing. VA loans offer competitive interest rates, a variety of fixed rate and adjustable loan options, flexible income, debt and credit requirements.
The Texas State Affordable Housing Corporation (TSAHC) Homeownership Program offers teachers, veterans, police officers, corrections officers, firefighters and low-to-moderate income borrowers a 30-year fixed rate mortgage with a competitive interest rate and a non-repayable assistance or a three year forgivable second lien that can be used for down payment and closing costs.
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DHI Mortgage 5419 North Loop 1604 East, Suite 250 San Antonio, TX 78247 210-545-6480 main dhimortgage.com
Financing offered by DHI Mortgage Company, Ltd. (DHIM). Branch NMLS #260498. 5419 North Loop 1604 East, Suite 250, San Antonio, TX 78247. Company NMLS #14622. DHIM is an affiliate of D.R. Horton. For more information about DHIM and its licensing please visit www.dhimortgage.com/affiliate/. Provided for informational purposes only. This is not a commitment to lend. Not all borrowers will qualify. 1 USDA Program contains borrower income and asset limitations. Property eligibility requirements apply. Additional closing costs may apply. A good faith earnest deposit is required at contract. 3 The Southeast Texas Housing Finance Corporation (SETH) Program offers a 30-year fixed rate mortgage (Conventional, FHA, VA or USDA) with down payment assistance in the form of a second lien of up to 3% on Conventional, VA, USDA or FHA loans with additional options of up to 5% on FHA and Conventional, loans only. Eligible areas include the entire state of Texas, except that properties within the city limits of Grand Prairie, El Paso, McKinney, and Travis County (including the city of Austin) are not eligible. Property eligibility requirements apply. Purchase price, and income limitations apply. Borrower must meet program guidelines and complete an eligible homebuyer education course. Subject to program availability. For additional program information, please visit http://www.ehousingplus.com/available-programs/texas/seth/. 4 The TSAHC Home Ownership Program offers a 30-year fixed rate loan which is accompanied by either a non-repayable grant (up to 5% of the first lien loan amount), or a 3-year deferred, forgivable 2nd lien of (up to 5% of the first lien loan amount) for down payment and closing costs assistance, depending on loan program chosen. If first lien is a conventional loan program, then only the three year deferred forgivable 0% interest second lien is available. If government loan program chosen, assistance can be in the form of a non-repayable grant or a three year deferred forgivable 0% interest second lien. Second lien is repayable upon sale, transfer, refinance of the first lien, or failure to occupy property as principal residence. *For FICO scores between 620-639, a 0.50% origination fee applies for FHA, VA, and USDA loan programs. Eligible participants include Professional Educators, Texas Heroes (as defined in the manual) and low-income borrowers. Must be a Texas resident and occupy the home as a primary residence. Purchase price and income limitations apply. Homebuyer must complete a pre-purchase homebuyer education course. Borrower must meet program guidelines. 2 Please contact your mortgage loan originator for complete eligibility requirements. For additional program information, visit https://www.tsahc.org/homebuyers-renters/loans-down-payment-assistance. Please contact your mortgage loan originator for complete eligibility requirements. Equal Housing Opportunity. USDA = U.S. Department of Agriculture. VA = U.S. Department of Veterans Affairs. REV: 07/17/25 | EXP: 10/17/25
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