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Home Sweet Texas Home Loan Program

We help Texas families buy a home of their own. 


At the Texas State Affordable Housing Corporation (TSAHC), we help Texans buy a home for themselves and their families. We are a nonprofit organization that was created by the Texas Legislature to help Texans achieve their dream of homeownership.  Our Homes Sweet Texas Home Loan Program offers home loans and down payment assistance to low and moderate-income families.
 

Before You Go Further

The first step to see if you qualify is to take our online Eligibility Quiz. It takes only a few minutes and you don’t need special paperwork. The quiz will let you know if you meet the program requirements and the types of assistance you qualify for. To qualify, you must have a credit score of 620 and meet certain income requirements.

Eligibility Quiz 

What Does the Homes Sweet Texas Home Loan Program Offer?

The Homes 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 a mortgage loan and funding to use for your down payment. You can choose to receive the down payment assistance 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). If you’re eligible, you can essentially receive free money to help you buy a home. 


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 Buy a Home? Here’s Where 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. 


What People Are Saying About TSAHC's Programs
 

“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

 

“TSAHC’s programs make homeownership possible for many Texas families.  I am proud to be a participating loan officer in TSAHC’s programs so I can help families like the Pilgrims achieve their lifelong dream of buying a home.”
    -Nicole Newton, Loan Officer with Prime Lending
 

 

"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