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 The Texas Department of Housing and Community Affairs (TDHCA) My Choice Texas Home Program combines an FHA, VA, or USDA first mortgage loan with a down payment/closing cost assistance second lien of up to 5% of the loan amount for eligible borrowers in Texas. There is no first-time homebuyer requirement.
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.
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.
Get started today! Go to dhimortgage.com and click “Get Started.”
DHI Mortgage 1306 E. McCarty Ln., Suite 150 San Marcos, TX 78666 512-805-3650 dhimortgage.com/san-marcos
Financing offered by DHI Mortgage Company, Ltd. (DHIM). Branch NMLS #1020436. 1306 E. McCarty Lane, Suite 150, San Marcos, TX 78666. 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. Please contact your mortgage loan originator for complete eligibility requirements. 2 A good faith earnest deposit is required at contract. Additional down payment is required if the purchase price exceeds the reasonable value of the property, if the loan amount is greater than $806,500 or applicable county loan limit or if the borrower has less than the full entitlement available. 3 The Texas Department of Housing and Community Affairs (TDHCA) My Choice Texas Home Program offers a forgivable 0% interest 2nd lien mortgage to be used for down payment assistance and closing costs up to 5% of the loan amount which can be combined with a Conventional, FHA, VA, or USDA 30-year 1st lien mortgage. Purchase price and borrower income limitations apply. Must be a Texas resident and occupy the home as a primary residence. Homebuyer must complete a pre-purchase homebuyer education course. Limits and rules apply to each government loan type. Repayment of 2nd lien is due in full upon sale, refinance, transfer, or payoff of the first mortgage. Borrower must meet program guidelines. Please contact your mortgage loan originator for complete eligibility requirements. For additional program information, please visit http://www.tdhca.state.tx.us/homeownership/fthb/my-choice-texas-home. htm. 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. 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: 09/08/25 | EXP: 09/08/26
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