Homes for Texas Heroes Program

PLEASE NOTE: Due to the market conditions caused by COVID-19, a few of our participating lenders have temporarily suspended their participation in our program.  We encourage you to view our Approved Mortgage Companies page before contacting a loan officer.

The Homes for Texas Heroes Home Loan Program provides home buyer assistance specifically to teachers, police officers, firefighters and EMS personnel, corrections officers, and veterans. 

Eligible Professions

• Teachers: Click here to learn more.
• Police Officers: Click here to learn more.
• Firefighters and EMS Personnel: Click here to learn more.
• Corrections Officers: Click here to learn more.
• Veterans: Click here to learn more.

Program Benefits

• A 30-year fixed interest rate mortgage loan, several rates and loan options available
• Down payment assistance (DPA) provided as a grant (never needs to be repaid) or forgivable second lien loan
• DPA available for up to 5% of the loan amount
• You do not have to be a first-time homebuyer
• Available statewide through a network of participating lenders. TSAHC does not require borrowers to use an approved REALTOR®, however we provide several resources to help find a REALTOR® familiar with TSAHC’s programs.
• Income limits vary by county. Expanded income and purchase price limits available in targeted areas.

First-time buyers can also apply for a Mortgage Credit Certificate (MCC).  Texas Heroes who use our DPA and MCC assistance together will receive their MCC for FREE—a $500 savings! *Some exclusions apply. Contact a lender to learn more.

Take the Eligibility Quiz     Find a Lender     Find a REALTOR®

Don't meet the profession requirements?

TSAHC’s Home Sweet Texas Home Loan is available to low and moderate-income home buyers, regardless of their profession. Take the Eligibility Quiz to see if you meet the income requirements.