THDA quiz · As of 10-28-2026
Repeat buyer: which route?
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Your result
Ask a lender
Which route applies starts with your own ownership history, so a THDA-approved 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
You may not be a repeat buyer under THDA's rule at all: if you have not lived in a home you owned in the last 3 years, the first-time buyer route may already fit. The First-time buyer check goes through 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
A repeat buyer who is qualified military or a military spouse may still be eligible. Bring your DD-214 if you are a veteran, and ask a THDA-approved lender how THDA counts your service.
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.
May fit
A repeat buyer may still be eligible in a targeted county or area. Check THDA's map for the exact address, then 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.
Ask a lender
A route may open up once the area or your service is confirmed, so check THDA's map and 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.
May not fit
On these answers the Great Choice routes for repeat buyers may not fit. Another THDA loan, Freddie Mac HFA Advantage, has its own rules for repeat buyers, 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.