Home Buyer Programs

Did you know TSAHC offers down payment assistance to home buyers in both urban and rural areas?

The Texas State Affordable Housing Corporation (TSAHC) provides 30-year fixed interest rate mortgage loans, down payment assistance, and mortgage credit certificates to home buyers in communities throughout Texas.  These programs are offered through a network of approved mortgage lenders.

Homes for Texas Heroes Program: provides home buyer assistance specifically to teachers, police and correctional officers, fire fighters and EMS personnel, and veterans. 

Learn More about the program 
Types of Assistance
Today's Interest Rates

Home Sweet Texas Program: provides home buyer assistance to Texas home buyers with low and moderate incomes.

Learn More about the program
Types of Assistance
Today's Interest Rates

Types of Assistance Available

TSAHC's Homes for Texas Heroes and Home Sweet Texas Home Loan Programs offer the following assistance options.

Loans w/ Down Payment Assistance:

  • Credit scores as low as 620
  • No max DTI w/AUS approval
  • Low fees
  • Third Party Originators allowed
  • FHA manual underwrites allowed up to 43% DTI with no additional fee (640 minimum FICO score required)
  • FHA non-traditional credit allowed with no additional fee
  • Simplified income limits

Mortgage Credit Certificates (MCC):

  • A special tax credit that reduces the home buyer's federal income tax liability every year
  • Helps the home buyer qualify by reducing the DTI
  • No minimum credit score or maximum DTI requirements
  • May be used with any fixed-rate loan product or combined with TSAHC's Down Payment Assistance
  • FREE for those Texas Heroes also using TSAHC's Down Payment Assistance.
  • ​Simplified income limits
  • Exclusively for first-time home buyers

View Today's Interest Rates