TSAHC Home Buyer Programs
Helping Texans Achieve Homeownership
Details
- Down Payment Assistance – Receive up to 5% of your loan amount to help cover your down payment and closing costs.
- Available Statewide – Open to eligible home buyers across all of Texas.
- Multiple Loan Options – Works with FHA, VA, USDA, and Conventional loans.
- Two Program Paths:
- Home Sweet Texas – For low to moderate-income families.
- Homes for Texas Heroes – Special benefits for teachers, police, firefighters, veterans, and other public servants.
- No First-Time Buyer Requirement – You don’t need to be a first-time homebuyer to qualify.
- Credit Score as Low as 620 – Minimum credit score requirement starts at 620 (varies by loan type).
- Fixed-Rate 30-Year Loans – Affordable, stable monthly payments.
- Mortgage Credit Certificate (MCC) Option – Save up to $2,000/year in federal taxes with an MCC (if you’re a first-time buyer).
- Simple Pre-Qualification Process – Get started quickly with an approved TSAHC lender.
- No Repayment on Grant Funds – If you choose the grant option, the assistance doesn’t have to be repaid.
