Grants for first-time and repeat home buyers in and around Houston, Galveston and Beaumont
At the Texas State Affordable Housing Corporation (TSAHC), we help people in Houston 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 Houston area is booming. That’s why we have programs and resources for Texans who want to buy a home there.
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.
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:
“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.
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).
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.
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.
Brittany Brown
Brittany Brown was working with a different mortgage company and was unable to get approved for the home she wanted to purchase. Her REALTOR Janice Imoisi referred her to Alex Salinas at EFast Funding, who determined that TSAHC’s homeownership programs were a good fit for Brittany. TSAHC’s programs helped with her down payment and closing costs, and within 30 days, she was signing for the new home purchase and was a proud new homeowner
