SETH Single Family Bond Program-

SETH has a program that provides financing for your home purchase.  This program has two choices available for eligible homebuyers.

Option 1: First Time Homebuyers

• 5.25% 30 Year Fixed Mortgage Interest Rate
• Down Payment Assistance (3% Grant based on the Mortgage Loan Amount)

Option 2:  Not a First Time Homebuyer* or Without a Grant

• 4.75% 30 Year Fixed Mortgage Interest Rate (no grant)

Program coverage areas include the counties of Austin, Brazoria, Chambers, Liberty, Matagorda, Waller, Walker & Wharton and the cities of: Baytown, Deer Park, Dickinson, La Marque, La Porte, League City, Pasadena, Santa Fe, Shoreacres, Texas City and Tomball.

View Program Guidelines
Bond Program Participating Lenders

SETH Mortgage Credit Certificate Program  (MCC)-

SETH has a program that provides a tax credit of up to $2,000/year for eligible homebuyers.  The tax credit is received each year for the life of the mortgage loan.  This program has higher income limits and does not have a first time homebuyer requirement for many of our jurisdictions.  Program coverage areas include the counties of Austin, Brazoria, Chambers, Liberty, Matagorda, Waller, Walker & Wharton and the cities of: Baytown, Deer Park, Dickinson, La Marque, La Porte, League City, Pasadena, Santa Fe, Shoreacres, Texas City and Tomball.

View MCC Program Guidelines
MCC Program Participating Lender List
MCC Educational Tutorial

SETH Mortgage Credit Certificate Programs  (MCC)
Administered by SETH-

SETH administers many other local area MCC Programs.  These MCC Programs provide a tax credit for the life of the mortgage loan.  The amount of the tax credit is determined by the amount of interest you pay on the mortgage loan each year.  MCC’s help reduce a homeowners burden by providing additional income for the family each year.  Please select one of the following programs for more information.

Serving the counties of:  Carson, Collingswood, Dallam, Deaf Smith, Donley, Gray, Hall, Hansford, Hartley, Hemphill, Hutchinson, Lipscomb, Moore, Ochiltree, Oldham, Parmer, Potter (excluding the City of Amarillo), Randall, Roberts, Sherman, and Wheeler.

Available in the counties of:  Brazos, Burleson, Grimes, Leon, Madison, Robertson, and Washington.

Helping homebuyers purchase homes in the City of Galveston.

This program is currently out of funds. Please check back with us again.

Serving those buying a home in Galveston County, but outside the following city limits (not paying city taxes) – Dickinson, Galveston, La Marque, League City, Santa Fe, or Texas City. In addition to the tax credit provided, eligible first time homebuyers may receive a $2,000 grant with this program.

Assists homebuyers purchasing a home in the city limits of Harlingen or San Benito.

Fort Bend County Neighborhood Stabilization Program (NSP) –

SETH administers Fort Bend County's Neighborhood Stabilization Program Funds. These funds will be available to assist first-time homebuyers in an amount up to $25,000 per household, depending on the applicant's income level (see application). The home must be a FORECLOSED single family home located within Fort Bend County, but outside the cities of Houston, Sugar Land, Missouri City, and Katy.

Click here for a list of eligible census tracts
Have an address, Click here to verify census tract.
Click here to get started
City of Pasadena –
SETH administers the City of Pasadena's First Time Homebuyer Program. Eligible buyers will receive $5,000 for down payment and closing cost assistance when purchasing a home in the city limits of Pasadena. Applicants must be first time homebuyers and income eligible (see application.) This program can be combined with the SETH MCC or SETH Bond Program.
View Application here
Pasadena MCC Program Video