The Texas First Time Home Buyer Program offers safe, low interest, 30 year fixed rate loans with downpayment assistance, closing cost assistance, and mortgage credit certificates. For more information on their programs visit the Texas First Time Home Buyer Program online at www.myfirsttexashome.com. Or you can call them at 1-800-792-1119. The contact email address is email@example.com. The Down Payment and/or Closing Cost assistance is a grant for up to 5% of the mortgage amount for income eligible borrowers.