Home Buyer Programs

Texas REALTORS® are a valuable resource for homebuyers interested in buying a home. The Texas State Affordable Housing Corporation welcomes your participation in assisting our borrowers achieve homeownership. We have two types of assistance to offer qualifying borrowers.

Watch this short video to learn about our home buyer programs! 

Fixed Rate Loans with Granted Down Payment Assistance

TSAHC provides low interest rate loans with down payment and closing cost assistance in the form of a grant (meaning no second lien) to teachers, fire fighters, peace officers, veterans, and low and moderate-income homebuyers.  The Homes for Texas Heroes and Home Sweet Texas Loan Programs allow qualifying individuals to purchase a home.

More information on loans and down payment assistance

Mortgage Credit Certificates

TSAHC also provides an annual tax credit to qualifying first-time homebuyers through the issuance of a Mortgage Credit Certificate.  With an MCC, the qualified homebuyer is eligible to write off a portion of the annual interest paid on the mortgage as a special tax credit, up to $2,000, each year that they occupy the home as their principal residence.  An MCC has the potential of saving the homebuyer thousands of dollars over the life of the loan. Homebuyers qualifying for the MCC Program can also take advantage of our down payment assistance programs.

More information on our Mortgage Credit Certificate Program

Become a Texas Affordable Housing Specialist

Some Texas REALTORS® have gone the extra mile by participating in a 12-hour certification program that arms them with special knowledge about statewide affordable housing resources and products. Under the "Homeownership” section of our website, TSAHC encourages borrowers to work with those Texas REATLORS® with this designation.  Should you wish to become certified, please visit the Texas Association of REALTORS® website.