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Buy A Home
Your Path To Texas Homeownership Starts Here
Buying a home doesn’t have to feel out of reach. TSAHC provides fixed-rate mortgages, down payment assistance (DPA), and valuable mortgage credit certificates (MCC) to make buying a home more affordable.
Whether you’re a first-time home buyer, repeat buyer, or current homeowner looking to purchase again, TSAHC can help you achieve your homeownership goals.
Wondering how TSAHC can help you purchase a home? Take the path finder quiz to learn more.
Click to Explore Programs
Down Payment Assistance (DPA)
Through our home buyer programs, TSAHC offers 30-year fixed rate mortgages with up to 5% down payment assistance. Think of it as a little boost to help you overcome the down payment hurdle and unlock the front door to your new home sooner.
At A Glance
- Can be combined with a Mortgage Credit Certificate (MCC)
- Open to first-time or repeat homebuyers
- Available as a grant or deferred forgivable second lien loan
- Requires credit score of 620
Mortgage Credit Certificate (MCC)
TSAHC’s MCC Program provides first time home buyers with a special tax credit that reduces your federal income taxes every year for the life of your home loan. Because the tax credit refunds a portion of your mortgage interest, it also reduces the total mortgage interest you pay every year. This program DOES have a first-time home buyer requirement (waived for Veterans and Targeted Area homes).
At A Glance
- Must be combined with TSAHC’s Non-Bond Down Payment Assistance (DPA)
- Open to first-time homebuyers
- Tax credit based on mortgage interest paid
- Eligibility depends on income and sale price requirements
Homes for Texas Heroes
TSAHC’s Homes for Texas Heroes Program offers fixed-rate mortgage financing, down payment assistance grants and second liens, as well as mortgage credit certificates for teachers, police officers, corrections officers, fire fighters, EMS personnel, veterans
At A Glance
- Down payment assistance and fixed rate mortgage loans for Texas hero professions
- Open to public school teachers, teachers aids, school librarians, school counselors, school nurses, police officers, fire fighters, EMS personnel, veterans and active military, corrections officers, public security officers, and nursing health faculty.
- Requires a credit score of 620
- Can be combined with TSAHC’s Mortgage Credit Certificate (MCC) program
Home Sweet Texas
TSAHC’s Home Sweet Texas Home Loan Program is designed to help low and moderate-income Texans achieve the dream of homeownership. If you qualify, TSAHC will provide you with fixed-rate mortgage financing along with funding to use for your down payment.
At A Glance
- Down payment assistance and fixed rate mortgage loans for low and moderate income households
- Not profession specific
- Can be combined with TSAHC’s Mortgage Credit Certificate (MCC program)
- Requires credit score of 620 and certain income requirements
Explore our library of free homebuyer resources.
Hear From Our Community
“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 loan officer Stacy Schriever and REALTOR® Debbie Patterson for introducing me to TSAHC’s programs, which made it possible for our family to finally purchase a home of our own.”
Felicia Bolton
Home Buyer
Home Buyer
Buying a home can be overwhelming, but I feel very blessed with my experience. I am very grateful for the guidance that my loan officer Tina Chumley, and REALTOR® Chelcy Gilliland provided during the home buying process. I am also thankful for TSAHC, whose programs helped me buy a home in my neighborhood so my son didn’t have to change schools.
Ellie Moss
Home Buyer
Home Buyer
I previously worked in the mortgage industry, and I always knew when it was time to buy a home, it would be through TSAHC. Utilizing TSAHC’s programs sped up my ability to purchase a home by a couple of years.
Mireille Hernandez
Home Buyer
Home Buyer
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.
Edna and Bernardo
Home Buyers
Home Buyers
Our Impact
Through our home buyer programs, TSAHC has been able to assist thousands of Texas families across the state as they pursue their goal of homeownership.
Explore Our ImpactQuestions? Contact the homeownership team.
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