Home Sweet Texas Home Loan Program
This program is for Texas home buyers with low and moderate incomes. It is not profession-specific.
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Our Homebuyer Programs
TSAHC Homebuyer Programs
TSAHC provides home buying assistance through two loan programs: the Home Sweet Texas Home Loan Program and Homes for Texas Heroes Home Loan Program. Both programs provide fixed-rate mortgage loans, down payment assistance, and Mortgage Credit Certificates.
Homes for Texas Heroes
This program is for teachers, fire fighters and EMS personnel, police and correctional officers, and veterans.
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Additional Information
Loans with Down Payment Assistance
- Up to 5% of loan amount to help with down payment and/or closing costs
- Credit scores as low as 620
- No max DTI w/AUS approval
- Low fees
- Third Party Originators allowed
- FHA manual underwrites allowed up to 43% DTI with no additional fee (640 minimum FICO score required)
- FHA non-traditional credit allowed with no additional fee
- Income limits vary by county. Expanded income limits available in targeted areas.
Mortgage Credit Certificates (MCCs)
- A special tax credit that reduces a home buyer’s federal income tax liability every year
- Helps the home buyer qualify by reducing the DTI
- No minimum credit score or maximum DTI requirements
- Must be combined with TSAHC’s Down Payment Assistance.
- FREE for Texas Heroes.
- Income limits vary by county. Expanded income and purchase price limits available in targeted areas.
- For first-time home buyers, qualified veterans and homes located in a targeted area
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