Home Down Payment Assistance for the Texas Panhandle

At the Texas State Affordable Housing Corporation (TSAHC), we help people in the Texas Panhandle 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 Texas Panhandle is booming. That’s why we have programs and resources for Texans who want to buy a home there.  

Are You Eligible for Our Programs?

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.   

Eligibility Quiz 

Two Home Buyer Programs: Which is Right For You?

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:

  • Professional educators, which includes the following full-time positions in a public school district: school teachers, teacher aides, school librarians, school counselors, and school nurses 
  • Police officers and public security officers 
  • Firefighters and EMS personnel
  • Veterans or active military
  • Correction officers and juvenile corrections officers
  • Nursing faculty and allied health faculty

“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. 

What Kind of Help Does TSAHC Offer?

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). 

Are You A First-Time Home Buyer?

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.

Eligibility Quiz 

Ready to Start?

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. 


Homebuyer Success Stories in the Texas Panhandle

Melissa Olvera

“I will forever be grateful for the TSAHC program for assisting me into my first home. A dream I never thought would come true, because I didn’t have the means of providing a traditional down payment but the process was unbelievably easy and the benefits it offers are hands down, the best. I plan on being in this home for quite a while and it’s all thanks to TSAHC and Nicole Newton at AMC Mortgage.”


Josh and Sarah Barnes

TSAHC provided Josh and Sarah Barnes with a fixed-rate mortgage loan and a grant for down payment assistance to purchase their first home in Amarillo. As first-time buyers, Josh and Sarah also qualified for a Mortgage Credit Certificate, which will save them up to $2,000 every year on their income taxes.


Mindy Burrow

Initially hesitant about homeownership due to perceived financial barriers, Mindy found herself discontented with the deteriorating conditions of her apartment. Surveying the rental market, she was stunned by the steep prices of newer complexes, which pushed her to explore the possibility of purchasing a home within her means.

With the guidance of friends and professionals, she connected with REALTOR® Beth Jones from BOLD Realty Group with Keller Williams Amarillo and Nicole Newton, a loan officer with PrimeLending. Their expertise and support, coupled with Mindy's solid credit rating, made TSAHC's conventional loan program and down payment assistance a viable option.