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 anywhere in Texas through a network of lenders and provide the following benefits:

  • A 30-year fixed interest rate mortgage loan
  • Down payment assistance (DPA) can be up to 5% of the loan amount
  • Several rate, loan and DPA options available
  • No upfront points or origination fees are charged 
  • You do not have to be a first-time homebuyer
  • You do not need to live in the home for any set period of time
  • The down payment assistance is a gift that never needs to be repaid.

First-time buyers can also use TSAHC's Mortgage Credit Certificate Program.


 take the eligibility quiz