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 2%, 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
  • 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:

  2 Points of DPA 3 Points of DPA 4 Points of DPA 5 Points of DPA
FHA with FICOs of 640 to 659 4.375% 4.625% 5.000% N/A

FHA with FICOs of 660 or higher

N/A 4.375% 4.625% 5.000%
VA or USDA N/A 4.375% 4.625%


HFA Preferred Conventional N/A 4.625% 4.875% 5.125%

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

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