THDA quiz · As of 10-28-2026
Veteran and military route
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Your result
May not fit
This route is for qualified military and military spouses, so on this answer it may not fit. The Targeted area and Repeat buyer quizzes look at the other routes.
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
If you have not lived in a home you owned in the last 3 years, you may already meet the first-time buyer rule and not need this route.
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.
Ask a lender
Whether the 3-year rule applies starts with your own 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.
Ask a lender
A repeat buyer who is qualified military or a military spouse may still be eligible. Get your DD-214 first, 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.
May fit
A repeat buyer who is qualified military or a military spouse may still be eligible. Bring your papers, 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.