THDA quiz · As of 10-28-2026
First-time buyer check
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Your result
Ask a lender
The 3-year rule turns on your own history, so a lender is the one to confirm it.
What this rests on
- A buyer who has not lived in a home they owned in the last 3 years may be a first-time buyer under THDA's rule. Repeat buyers may also be eligible in a targeted county or area, or as qualified military and spouse. THDA lists 43 counties as targeted, and designated areas in additional counties. As of 10-28-2026.
May fit
From your answers, you may count as a first-time buyer under THDA's 3-year rule.
What this rests on
- A buyer who has not lived in a home they owned in the last 3 years may be a first-time buyer under THDA's rule. Repeat buyers may also be eligible in a targeted county or area, or as qualified military and spouse. THDA lists 43 counties as targeted, and designated areas in additional counties. As of 10-28-2026.
- THDA's minimum credit score is 640. As of 10-28-2026.
- Great Choice Plus and Homeownership Heroes need a THDA-approved homebuyer course. As of 10-28-2026.
May fit
The 3-year rule may not apply on its own, but repeat buyers who are qualified military or a military spouse may still be eligible.
What this rests on
- A buyer who has not lived in a home they owned in the last 3 years may be a first-time buyer under THDA's rule. Repeat buyers may also be eligible in a targeted county or area, or as qualified military and spouse. THDA lists 43 counties as targeted, and designated areas in additional counties. As of 10-28-2026.
- Income and purchase price limits depend on the county and the size of the household. As of 10-28-2026.
Ask a lender
Whether service counts depends on the details, so a lender is the one to confirm it.
What this rests on
- A buyer who has not lived in a home they owned in the last 3 years may be a first-time buyer under THDA's rule. Repeat buyers may also be eligible in a targeted county or area, or as qualified military and spouse. THDA lists 43 counties as targeted, and designated areas in additional counties. As of 10-28-2026.
May not fit
On the 3-year rule alone, this may not fit. Repeat buyers may still be eligible in a targeted county or area. Whether yours is one depends on the county, so ask a THDA-approved lender.
What this rests on
- A buyer who has not lived in a home they owned in the last 3 years may be a first-time buyer under THDA's rule. Repeat buyers may also be eligible in a targeted county or area, or as qualified military and spouse. THDA lists 43 counties as targeted, and designated areas in additional counties. As of 10-28-2026.
- Income and purchase price limits depend on the county and the size of the household. As of 10-28-2026.