Firefighter & EMS Personnel Home Loans | Texas State Affordable Housing Corporation (TSAHC)

Homes for Texas Heroes, a program of theTexas State Affordable Housing Corporation, provides home loans and down payment assistance for Texas firefighters and EMS personnel.

Find Out if You're Eligible

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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 3-year deferred forgivable second lien loan
Available statewide through a network of participating lenders

First-time buyers can also apply for a Mortgage Credit Certificate (MCC). An MCC is a special tax credit that reduces your federal income taxes every year. Texas firefighters and EMS Personnel who use TSAHC's DPA and MCC assistance together will receive their MCC for free—a $500 savings!