Several first time home buyer programs are available in Plano, Texas to help with financing options including VA loans, USDA mortgages, and FHA loans that require down payments as low as 3.5%. The Texas MCC and My First Texas Home programs provide additional assistance, and there is also a program for Texas heroes through Homes for Texas Heros that offers financing options for first time buyers who are firefighters, police officers, and emergency medical technicians.