Dallas / Fort Worth Home Down Payment Assistance

At the Texas State Affordable Housing Corporation (TSAHC), we help people in Dallas/Fort Worth and throughout the state of Texas purchase a home. We are a nonprofit organization that was created by the Texas Legislature to help Texans achieve their dream of homeownership. 

The DFW area is booming. That’s why we have programs and resources for Texans who want to buy a home there.  

Are You Eligible for Our Programs?

To qualify, you must have a credit score of 620 and meet certain income requirements. 

The first step to see if you qualify is to take our online Eligibility Quiz. It only takes a few minutes and you don’t need to fill out any paperwork. The quiz will let you know if you meet the program requirements and if so, the types of assistance you qualify for.   

Eligibility Quiz 

Two Home Buyer Programs: Which is Right For You?

Your lender will help you determine which TSAHC program you qualify for.  Both programs offer the same assistance options. 

“Homes for Texas Heroes” Program
If you’re in a hero profession, this is the home loan program for you. Hero professions include:

  • Professional educators, which includes the following full-time positions in a public school district: school teachers, teacher aides, school librarians, school counselors, and school nurses 
  • Police officers and public security officers 
  • Firefighters and EMS personnel
  • Veterans or active military
  • Correction officers and juvenile corrections officers
  • Nursing faculty and allied health faculty

“Home Sweet Texas” Home Loan Program
If you don’t qualify under one of the professions listed above, this is the best program for you. This program offers the same benefits as the Home for Texas Heroes Program. 

What Kind of Help Does TSAHC Offer?

If you qualify for our programs, TSAHC will provide you with a mortgage loan and funding to use for your down payment. You can choose to receive the down payment assistance (DPA) as a grant (which does not have to be repaid) or a deferred forgivable second lien loan (which only has to be repaid if you sell or refinance within three years). 

Are You A First-Time Home Buyer?

If you are buying your first home, you can also apply for a mortgage interest tax credit known as a Mortgage Credit Certificate (MCC). To qualify, you must meet certain income requirements and the home must meet certain sales price restrictions.

Learn more about Mortgage Credit Certificates

The Eligibility Quiz will also help you determine if you qualify for an MCC.

Eligibility Quiz 

Ready to Start?

The first step is to take our quick online Eligibility Quiz. This quiz will tell you whether you’re eligible for our assistance. 

If you are eligible, the quiz will then direct you to contact a participating lender in your area.  The lender will help you fill out the application.  You will not submit anything directly to TSAHC. 

You will also be required to complete an approved home buyer education course before closing on your home.  We don’t require you to work with a specific REALTOR®, but you can use this search tool to find a REALTOR® familiar with our programs. 

Homebuyer Success Stories in Dallas/Fort Worth


Edna and Bernardo

Edna and Bernardo spent years dreaming about owning a home. They wanted to own something that felt like theirs—a place they could hang photos and plant flowers without having to ask permission from a landlord. Their REALTOR, Gracie helped them apply for TSAHC’s Home Sweet Texas Home Loan Program to help with their down payment and closing costs. In addition to being thankful for the down payment assistance, they were surprised at how quick the process was.

“Using TSAHC’s down payment assistance was a super easy process. We submitted all our documents through an app, and we had no idea our closing would happen so quickly. Everyone was very kind and helpful throughout the process, and we’re so excited to be settled in our new home.”

Suzy Butler

Suzy Butler is a public school teacher in Mineral Wells. With expert assistance from her lender Jordan O’Brien with Cardinal Financial and her REALTOR Tammy O’Leary, Suzy used TSAHC’s Homes for Texas Heroes Program to purchase her first home. She received an HFA Preferred conventional loan with a 5% grant to help with her down payment and closing costs.

Felicia Bolton

With expert guidance from her lender Stacy Lynn Schriever and REALTOR® Debbie Patterson, Felicia Bolton and her family used TSAHC’s programs to purchase their first home in Arlington in July 2018. Felicia received an FHA loan with a $6,480 DPA grant, which covered her down payment and a portion of her closing costs.

“Buying a home is the biggest financial decision we’ve ever made, and we couldn’t have done it without the down payment grant we received from TSAHC. I’m so grateful to Stacy and Debbie for introducing me to TSAHC’s programs, which made it possible for our family to finally purchase a home of our own.”