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) 3% to 5% of the loan amount
  • You do not have to be a first-time homebuyer
  • DPA provided as a grant (never needs to be repaid) or repayable second lien loan
  • 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.

First-time buyers can also apply for a Mortgage Credit Certificate.


Take the Eligibility Quiz     Find a Lender     Find a REALTOR®