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Texas State Affordable Housing Corporation

Rebuild Kerr Down Payment Assistance

                 

In partnership with the Community Foundation of the Texas Hill Country and Connective, TSAHC is providing down payment assistance of up to $145,000 to individuals and families displaced by the July 4th flooding in Kerr County and Comfort, Texas. First-time homebuyers, veterans and active-duty military can also receive an additional $30,000 in assistance.


Who's Eligible?

  • Residents of Kerr County or Comfort, TX, during the July 4, 2025 floods, whose primary residence was made uninhabitable by the flooding. Residents may be homeowners or renters. 

Additional Requirements

  • Total household assets of the applicant is limited to $60,000. Assistance will be reduced dollar-for-dollar above this limit. 
  • Applicants must qualify for a TSAHC mortgage loan (min. 620 FICO) and complete a homebuyer education course. 
  • To qualify, applicants must meet the income limits listed below.
  • The maximum home purchase price statewide is $544,232.70.
     

Income & Assistance Levels (as of 9/19/2025)

Household Income Range Grant Amount
Below $64,220 Up to $145,000
$64,221 - $79,040 Up to $110,000
$79,041 - $98,800 Up to $100,000
$98,801 - $113,620 Up to $70,000
$113,621 - $123,500 Up to $10,000

Funding is limited!

Apply today if you were impacted by the July 4th floods.

How the Program Works

Click the + next to each step listed below to learn more.

  • STEP 1: Get Pre-Approved

    Work with one of the following four lenders for mortgage loan pre-approval.

    Leslie Robertson 
    MLD Mortgage Inc. dba
    The Money Store®
    (830) 542-9225
    Email
    Website    		 Jason Waller
    CrossCountry Mortgage
    (210) 559-9122
    Email
    Website
     
    John H.P. Hudson
    H & M Mortgage Group, LLC
    (817) 247-4766 
    Email
    Website    		 Christina O'Connor
    Pilgrim Mortgage
    (210) 414-7534
    Email
    Website

    Please bring the following documentation when you meet with your lender.

    • Income Documentation:
      • Tax returns for the last 3 years
      • Year-to-date paystub
      • Income award statements (ie: Social Security, child support, ancillary income, etc.)
    • Asset Documentation:
      • Complete the Asset Certification Form
      • Veterans should provide DD214
      • Active Duty Military should provide enlistment papers or most recent paystub
  • STEP 2: Apply with Connective

    Connective confirms your flood eligibility and issues an award letter with your assistance amount.  Begin the process by filling out the needs assessment form linked below. Select "Downpayment Assistance" under the Needs section of the form.

    Connective Needs Assessment Form

    After you complete the needs assessment, you will be assigned a case manager. Please provide the following documentation when you meet with your case manager:

    • Mortgage Loan Pre-approval Letter
    • Mortgage Loan Application
    • Asset Certification Form
    • Proof of residence in Kerr County or Comfort, TX
    • Documentation of flood-related damage to primary residence
  • STEP 3: Homebuyer Education + Shop for a Home (anywhere in Texas)
  • STEP 4: Loan Package Review

    Your lender submits your loan package and Connective award letter to TSAHC for final review and approval.

  • STEP 5: Close with Assistance

    TSAHC wires disaster recovery grant funds directly to the title company at closing

Kerr County DPA Flyer