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Frequently Asked Questions
Contact the Homeownership Team
What is a targeted area?
Targeted areas are census tracts designated as areas of economic distress. Higher income and purchase price limits are available to home buyers that purchase a home in a targeted area.
How is mortgage qualifying income calculated?
To calculate mortgage qualifying income, the income of the following persons must be considered:
- Any mortgagor and any co-mortgagor listed on the mortgage (deed of trust).
- Any other person who is “secondarily liable” on the mortgage (deed of trust) and who is expected to live in the residence.
Therefore, the income of any person listed on the deed of trust must be included, regardless of occupancy.
In Texas, a co-signer or guarantor executes only the mortgage note, so that such person’s income does not need to be included if such person is not an occupant. This includes a spouse of the co-signer or guarantor that is a non-occupant of the residence.
For a married couple, the total gross income of both persons must be counted, even if a spouse is not listed on the title to the residence.
For more information, view the Program Guidelines.
How do I become an approved lender for TSAHC’s home buyer programs?
Learn how to become an approved lender for TSAHC’s home buyer programs by clicking on the link below.
How do I find an approved lender to work with?
Check out our search tool to find a participating lender in your area who can help you get signed up for TSAHC’s home buyer programs.
What are the Eligibility Requirements for the DPA and MCC Programs?
TSAHC’s DPA and MCC Programs have income and purchase price restrictions for participating. To learn more, visit take our Path Finder quiz that will help you determine if you qualify.
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