Teacher Home Loans

The Texas State Affordable Housing Corporation (TSAHC) provides home loans and down payment assistance to Texas teachers.

Program Benefits

  • A 30-year fixed interest rate mortgage loan, several rates and loan options available
  • Down payment assistance (DPA) 3% to 6% of the loan amount
  • *Limited Time Only* For Texas Heroes who are first-time buyers, TSAHC is now offering a lower mortgage interest rate of 5.05% with a 4% down payment grant. Contact a lender to learn more.
  • 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

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 teachers who use TSAHC's DPA and MCC assistance together will receive their MCC for free—a $500 savings! 

Find Out if You're Eligible

Take The Eligibility Quiz