Texas Program · TSAHC
TSAHC Homes for Texas Heroes
Texas takes care of its own. If you serve your community — teacher, first responder, peace officer, or veteran — TSAHC’s Homes for Texas Heroes gives you up to 5% in down payment help, plus a free federal tax credit.
Overview
Down payment help for the people who serve Texas.
The Homes for Texas Heroes program, from the Texas State Affordable Housing Corporation (TSAHC), rewards the professionals who keep our communities running. It provides down payment and closing-cost assistance worth up to 5% of your loan amount — and you don’t have to be a first-time buyer. Pair it with a free Mortgage Credit Certificate for an ongoing federal tax credit, and it’s one of the most valuable packages available to Texas heroes.
How it works
The essentials
The assistance
Up to 5%, grant or forgivable
Assistance of 2%, 3%, 4%, or 5% of your loan amount — as a grant you never repay, or a forgivable second lien that’s fully forgiven and only repaid if you sell or refinance within three years.
Bonus
A free tax credit (MCC)
Eligible heroes can add a free Mortgage Credit Certificate — an annual federal income-tax credit (currently 15% of your mortgage interest) for as long as you keep the loan.
Flexible
Not just first-timers
You don’t have to be a first-time buyer to use the down payment assistance. Minimum 620 credit score; no maximum DTI with automated approval.
Who it is for
Do you qualify?
- Teachers, aides, librarians, counselors & school nurses
- Firefighters and EMS personnel
- Police, peace & corrections officers
- Veterans
- Nursing and allied-health faculty
- County jailers, juvenile corrections & public security officers
At a glance
Program highlights
Up to 5% assistance
Toward your down payment and closing costs.
Grant or forgivable lien
Never repay the grant; the lien forgives over three years.
Free MCC tax credit
An ongoing federal tax credit for Texas heroes.
No first-time rule
Available to repeat buyers, too.
620 minimum credit
Accessible credit requirements.
Statewide
Income limits vary by county; expanded in targeted areas.
The Homes for Texas Heroes and Home Sweet Texas programs are administered by the Texas State Affordable Housing Corporation (TSAHC) and offered through participating lenders, subject to program guidelines, income limits (which vary by county), credit and eligibility requirements that are subject to change. Homebuyer education is required. This is not a commitment to lend. Contact David to confirm current terms and your eligibility.
Texas hero? Let’s get you home.
Every situation is different. Let me confirm your eligibility and run the numbers. Call (303) 557-3846 or start online.