Loans & Down Payment Assistance

TSAHC provides mortgage loans and down payment assistance grants and second liens to eligible home buyers through the following programs:

• Homes for Texas Heroes Home Loan Program: for teachers, fire fighters and EMS personnel, police and correctional officers, and veterans.
• Homes Sweet Texas Home Loan Program: for Texas home buyers with low and moderate incomes.

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 repayable second lien loan
• DPA available for up to 6% 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 provides 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.

Take the Eligibility Quiz     Find a Lender     Find a REALTOR®