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TSAHC Program

Texas State Affordable Housing Corporation (TSAHC)

TSAHC provides mortgage loans, down payment assistance grants, and mortgage credit certificates to eligible first- time home buyers* through the following programs:

Homes for Texas Heroes Home Loan Program:  for teachers, fire fighters and EMS personnel, police and correctional officers, and veterans.
Homes Sweet Texas Home Loan Program: for Texas home buyers with low and moderate incomes.

PROGRAM BENEFITS

  • A 30-year fixed interest rate mortgage loan, several rates and loan options available
  • Down payment assistance (DPA) provided as a grant (never needs to be repaid) or repayable second lien loan
  • DPA available for up to 6% of the loan amount
  • You do not have to be a first-time homebuyer
  • Available statewide through a network of participating lenders. TSAHC does not require borrowers to use an approved REALTOR®, however we provides several resources to help find a REALTOR® familiar with TSAHC’s programs.
  • Income limits vary by county. Expanded income and purchase price limits available in targeted areas.

First-time buyers can also apply for a mortgage interest tax credit known as a Mortgage Credit Certificate.

*TSAHC defines a first-time home buyer as any family or individual that has not owned or had an ownership interest in a home within the past three years. Ownership interest is defined as any person who is living in the home as his or her principal residence and is listed on the deed of trust.  For married couples, both spouses hold an ownership interest, even if only one is listed on the deed of trust.  

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