Rewarding Texas Heroes for their Service to Our Communities

June 7, 2019 | by Katie Claflin

Categories: First Time Buyer, Homeownership, Homes for Texas Heroes, Teachers, Veterans

June is National Homeownership Month, and it’s the perfect opportunity to spread the word about TSAHC's Homes for Texas Heroes Program. 

Authorized by the Texas Legislature, the Program provides fixed rate mortgage loans, down payment assistance and mortgage interest tax credits to professionals working tirelessly to help keep our communities strong.

Who can use the Homes for Texas Heroes program?

The program is open to teachers, police officers, corrections officers, firefighters and EMS personnel, and veterans that meet these requirements.


What benefits does the program provide?

Similar to our Home Sweet Texas Program (our non profession-specific program), the Homes for Texas Heroes Program provides the following benefits:

  • 30-year fixed rate mortgage loan.
  • Down payment assistance of up to 6% of the loan amount in the form of a grant or second lien loan. 
  • First-time buyers can also apply for a Mortgage Credit Certificate (MCC), a mortgage interest tax credit that reduces the amount of federal income taxes you pay every year.

Special Heroes-Only Benefits

The program also offers two additional benefits available ONLY to Texas Heroes who are first-time home buyers:

  • Lower Mortgage Interest Rate of 4.85% with a 4% down payment grant (limited time only)
  • Texas Heroes who use our DPA and MCC programs together receive their MCC for FREE—a $500 savings!  *Some exclusions apply.

are there any other requirements?

To qualify, you also have to meet certain income requirements and have a credit score of at least 620.  Click here to take the eligibility quiz.

How Do I Apply?

You must work with one of TSAHC’s approved lenders to apply for the Homes for Texas Heroes Program.  The lender will make sure you meet all of the requirements and help you fill out an application. 

I’m a lender or REALTOR®.  How do I educate my clients about the Homes for Texas Heroes program?

Click here to download our new co-brandable flyer that explains the program benefits, and stay tuned as we release new resources later this month.  In the interim we encourage you to visit our trainings and marketing materials located here (lenders) and here (REALTORS®).


On the House blog posts are meant to provide general information on various housing-related issues, research and programs. We are not liable for any errors or inaccuracies in the information provided by blog sources. Furthermore, this blog is not legal advice and should not be used as a substitute for legal advice from a licensed professional attorney.

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