Loans & Down Payment Assistance

The Homes for Texas Heroes and Home Sweet Texas Home Loan Programs are available for teachers, fire fighters, police and correctional officers, veterans, and low and moderate-income homebuyers. These loans and home down payment assistance programs are available through a network of lenders across the state and all provide the following benefits:

  • A 30-year fixed interest rate mortgage loan
  • Net DPA, meaning no upfront points or fees taken out of assistance
  • Net 3%, 4%, or 5% in down payment assistance that does not need to be repaid
  • You do not need to be a first-time homebuyer
  • You do not need to live in the home for any set period of time
  • Can be used to purchase a home or refinance an existing loan
  • First-time buyers can also use TSAHC's Mortgage Credit Certificate Program.
Watch this short video to learn about our home buyer programs!

Today's rates:

  Interest Rates and Gifted Down
Payment Assistance

Government Loan Options
(FHA, VA, or USDA)

  • 5.00% with 5% Net DPA
  • 4.875% with 4% Net DPA
  • 4.625% with 3% Net DPA
  • FHA Streamline Refinance ONLY:
    4.125% with 1.5% Net DPA
Conventional Loan Option
(HFA Preferred)
  • 5.50% with 5% Net DPA  
  • 5.25% with 4% Net DPA
  • 5.00% with 3% Net DPA

*Minimum FICO scores and maximum DTI ratios must be met. Learn More.


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