Repeat and Existing Homeowner Assistance
TSAHC provides mortgage loans and down payment assistance grants to repeat and existing homeowners through the following programs:
Homes for Texas Heroes Home Loan Program: for teachers, fire fighters and EMS personnel, police and correctional officers, and veterans.
Homes Sweet Texas Home Loan Program: for Texas home buyers with low and moderate incomes.
Please note that repeat and existing homeowners are not eligible for TSAHC's Mortgage Credit Certificates (MCCs). MCCs are available to first-time home buyers* only.
*TSAHC defines a first-time home buyer as any family or individual that has not owned or had an ownership interest in a home within the past three years. Ownership interest is defined as any person who is living in the home as his or her principal residence and is listed on the deed of trust. For married couples, both spouses hold an ownership interest, even if only one is listed on the deed of trust.