TSAHC’s DPA Program provides Texas homebuyers with up to 5% of their mortgage loan amount to cover down payment and/or closing costs.
Texas Financial Toolbox
The Texas Financial Toolbox has been reimagined and expanded into a new and improved housing and financial resources hub. Here, you will find the tools and support you need for your homeownership journey, including home buying assistance, credit guidance, home buyer education, and foreclosure help.
Home Buying Assistance
TSAHC Overview
TSAHC provides 30-year fixed rate mortgage loans, down payment assistance and mortgage interest tax credits through the following programs using a network of participating lenders. TSAHC also provides several resources to help borrowers find a REALTOR® familiar with TSAHC’s programs.
Mortgage Credit Certificate (MCC)
An MCC is like a money-saving coupon you can use every year on your taxes.
Additional Down Payment Resources
TSAHC offers a variety of home loan products, DPA programs, and MCCs for first-time and repeat buyers. If you are interested in learning about other available programs, Down Payment Resource is a tool that helps homebuyers identify local, state, and national programs that provide down payment and closing cost assistance.
Down Payment Resource
Pinpoint down payment assistance programs by geography or eligibility.
Home Buyer Education
Educational Resources
Homebuyer education provides the greatest benefit when taken early in the home buying process (before searching for a home). At least one person on the mortgage loan must complete an approved home buyer education class to utilize TSAHC’s home buyer programs. The borrower’s name and the name of the education provider must be included on the completion certificate. Certificates are valid for 12 months from the issuance/completion date.
All classes must meet one of the following criteria:
HUD-Approved Homebuyer Education Providers
The provider of the homebuyer education class or housing counseling must be a HUD-approved counseling agency. The approved list is available on HUD’s website.
NIS-Approved Homebuyer Education Providers
The provider of the homebuyer education class or housing counseling must meet the National Industry Standards. The approved list is available on the National Industry Standards for Homeownership Education and Counseling website.
Suggested online courses:
This course is offered in English and Spanish. This will be an online only course lasting 6-8 hours.
This course is offered in English and Spanish. In addition, it will connect you to a local, non-profit housing counselor after completion should you need additional assistance from a neutral 3rd party throughout your home buying process. This will be an online course lasting 6-8 hours.
This course is offered in both English and Spanish. This is an online only course lasting 6-8 hours.
This course is offered in English and Spanish. This will be an online only course lasting 3-4 hours.
This course is offered in English and Spanish. This will be an online only course lasting 3-4 hours.
Mortgage Credit Certificate Program Training
Home buyers utilizing TSAHC’s MCC program must also view the MCC training video before closing.
3-Year Deferred Forgivable Down Payment Assistance Training
Home buyers utilizing TSAHC’s 3-year deferred forgivable down payment assistance must view the video linked below before closing.
Credit Help
Build Your Credit Score
Access trusted tools and expert support to improve your credit, connect with lenders, and find certified housing counselors—so you can move forward on your path to homeownership with confidence.
Find a Lender
TSAHC programs require a 620+ FICO score. Not quite there yet? No worries—our lenders are pros at helping you build your credit and get mortgage ready.
Find a Housing Counselor
Search for financial, credit, and foreclosure counselors through the HUD and NIS websites.
Foreclosure Resources
Foreclosure Intervention & Prevention
If you’re worried about missed mortgage payments or facing possible foreclosure, this page connects you with trusted resources to help you take action quickly. The Foreclosure Intervention & Prevention page provides guidance, counseling options, and direct contact information for homeowners who need support navigating financial hardship.
If you’re facing foreclosure, contact your loan servicer ASAP.
If you are a TSAHC homebuyer facing foreclosure, contact Lakeview LoanCare, LLC at 800-509-0183
HUD Foreclosure Intervention Counseling
Intervention hotline and access to housing counseling services.
Learn More
HOPE for Homeowners Hotline
1-888-995-HOPE
A national resource supported by the Homeownership Preservation Foundation
Learn More
TDHCA’s Help for Texans
Steps, documentation, and guidance through the workout/loss mitigation process.
Learn More
Federal Programs
National mortgage relief programs and guidance for navigating foreclosure.
Learn More
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