Teacher Home Loans

Homes for Texas Heroes, a program of the Texas State Affordable Housing Corporation (TSAHC), provides home loans and down payment assistance to Texas teachers.

Find Out if You're Eligible

Take The Eligibility Quiz

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