Program

Texas Housing Impact Fund

Providing short and long-term loans for developers of affordable housing.

Overview

Through the Texas Housing Impact Fund (THIF), TSAHC provides short and long-term loans to developers to build affordable housing, with an emphasis on empowering local nonprofit builders. Our loan products provide competitive rates and can be combined with other financing to give developers the flexibility they need to create sustainable housing in Texas.

Since its creation in 2002, TSAHC has lent more than $52 million through THIF, helping to create more than 5500 units of affordable housing.

Program Guidelines

Developers are highly encouraged to review the policies and guidelines for the loan product type requested prior to the meeting with TSAHC staff.

View THIF Guidelines

Available Loan Products

TSAHC focuses our lending on construction-phase financing for both multifamily rental and single-family homeownership. Expand the accordions to the right to learn about the loan types we have currently have available. You must meet with TSAHC staff to discuss your potential project before you may apply for funding.

THIF Program Guidelines

Contact the Development Finance Team

Schedule a Meeting DevFinance@TSAHC.org Download Program Guidelines

Construction Loans for Multifamily Rental Housing

We provide loans for the construction or rehabilitation of affordable multifamily projects. This product is an excellent solution for a small project or as gap financing for a larger development.

TSAHC can lend up to $2 million, per project, to assist developers acquire and construct multifamily rental housing.

Revolving Lines of Credit for Homeownership

With amounts similar to a construction loan, our revolving lines of credit offer the opportunity for construction or rehabilitation of affordable single-family homes. Funds are available on a revolving basis as homes are sold.

Apply for Funding

Developers are highly encouraged to review the policies and guidelines for the loan product type requested prior to the meeting with TSAHC staff.

View THIF Program Guidelines

Applications for our loan products are provided to Developers after they have attended a virtual meeting with our team. Once we’ve met and agreed that the proposed project fulfills TSAHC’s program policies, Developers are provided with an electronic copy of the application materials via email.

Schedule a Meeting with TSAHC Staff

Next Steps

THIF Guidelines

View the program guidelines to determine if your project qualifies

Learn More

2025 Investment Report

View the latest THIF Investment Report

Learn More

Construction Standards

TSAHC requires that all homes constructed or rehabbed using its loan, bond or land banking programs meet minimum constructions standards.

Learn More

Schedule a meeting

Schedule a meeting with TSAHC staff to determine if your project qualifies.

Learn More

Questions? Contact the Development Finance Team

Email the Team

Hear From Our Community

“I cannot tell you how grateful I am to TSAHC. We were really scrambling to figure out a financing issue with Cady Lofts, and you came through with a solution that allowed us to close on time. Without financing from TSAHC, we would have had to go back to the drawing board. I cannot tell you how grateful I am and what a resource and incredible gift TSAHC is to all of affordable housing.”

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The Story of Cady Lofts

Related Resources

View All Resources for Development Partners

Article PDF

Construction Standards

Development Partners

View Resource

Frequently Asked Questions

Developer Frequently Asked Questions

Development Partners

View Resource

PDF Policies and Guidelines

Texas Housing Impact Fund Guidelines

Development Partners

View Resource

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