Get a 30-year fixed mortgage plus forgivable assistance for your down payment and closing costs—no first-time buyer requirement, available across most of Texas.
Verify Your SETH MyHome Plus Program Eligibility
The SETH MyHome Plus Program is a Texas-based homebuyer assistance program that helps with down payment and closing costs.
It provides up to 5% of the loan amount as forgivable assistance, paired with a 30-year fixed mortgage.
Designed to make homeownership more affordable, the program is open to both first-time and repeat buyers across most of Texas.
The SETH MyHome Plus Program offers unique advantages that make buying a home in Texas more affordable and accessible.
No First-Time Buyer Requirement – Available to both first-time and repeat buyers.
Generous Assistance – Up to 5% of the loan amount in down payment/closing cost assistance.
Forgivable Loan – The assistance is structured as a 10-year forgivable second lien with no payments required, fully forgiven after 10 years.
Flexible Loan Options – Works with FHA, VA, USDA, and Conventional 30-year fixed mortgages.
No Maximum Sales Price – Home price caps don’t apply (unlike many other assistance programs).
Wide Availability – Eligible in most Texas counties.
To use the SETH MyHome Plus Program, homebuyers must meet a few key eligibility rules.
Meet Program Income Limits – Income caps vary depending on loan type (FHA/VA, Conventional, or USDA).
Minimum Credit Score of 620 – Borrowers must have at least a 620 FICO score.
Property Location – Homes must be in Texas, but not within Travis County or the city limits of El Paso, McKinney, or Grand Prairie.
Homebuyer Education – Complete the required SETH Online Homebuyer Education Course ($100 fee, waived for those under Charter Level Income Limits).
To participate in the SETH MyHome Plus Program, all borrowers must complete an approved Homebuyer Education Course.
The course can be taken individually or together with a co-borrower and costs $100 (waived for borrowers who qualify under Charter Level Income Limits).
Upon completion, you’ll receive a certificate valid for 12 months, which is required for program eligibility. The course is offered in both English and Spanish to make it accessible to more buyers.
Getting started is simple—just follow these three steps to unlock your down payment assistance:
Check Your Eligibility Online for Free – See if you qualify in just minutes before starting the process.
Complete and Submit Your Application – Work with a participating lender to fill out and sign your program application.
Receive Your Down Payment Assistance – Once approved, you’ll get up to 5% in forgivable assistance toward your home purchase.
Here are answers to the most common questions about the SETH MyHome Plus Program to help you understand how it works.
You can receive up to 5% of your loan amount in forgivable down payment and closing cost assistance.
No, both first-time and repeat buyers are eligible for this program.
The program pairs with a 30-year fixed FHA, VA, USDA, or Conventional mortgage.
No, there is no maximum sales price requirement under this program.
A minimum FICO score of 620 is required to qualify.
It’s available throughout Texas, except in Travis County and the city limits of El Paso, McKinney, and Grand Prairie.
No, the second lien is fully forgivable after 10 years, with no monthly payments required.
Yes, borrowers must complete the SETH online Homebuyer Education Course (fee waived if you meet Charter Level Income Limits).
Yes, the assistance can be applied to both down payment and closing costs.
Your first step is to check your eligibility online and then connect with a participating lender to apply.
Choosing the right partner makes all the difference when navigating down payment assistance programs. We simplify the process so you can focus on buying your home with confidence.
We help you understand the SETH MyHome Plus Program and how it fits your unique situation.
From checking eligibility to closing, we make each step clear and hassle-free.
We connect you with participating lenders experienced in securing SETH program benefits.
Every buyer’s situation is different—we’ll walk you through options and answer your questions directly.
We’ve helped countless buyers successfully access down payment assistance and achieve homeownership.
