Texas Heroes in select professions qualify for up to 5% down payment assistance and other benefits with the Homes for Texas Heroes Program.
Verify Your Homes for Texas Heroes Eligibility
The Homes for Texas Heroes Program helps people in eligible professions who serve their communities buy a home.
It gives you 3% to 5% of the loan amount as a gift to cover down payments and closing costs, and you don’t have to pay it back or stay in the home for a certain time.
The program also offers a 30-year fixed-rate mortgage with different options to make home buying easier.
You can get the down payment assistance as either a grant, which you don't have to repay, or a loan that you only repay if you sell or refinance your home within three years.
Here’s a quick look at the key benefits you can enjoy with the Homes for Texas Heroes Program:
Up to 5% down payment assistance.
Assistance can be a grant or a deferred forgivable loan.
No repayment required for grant option.
Loan only repaid if you sell or refinance within three years.
30-year fixed-rate mortgage with various loan options.
No first-time homebuyer requirement.
Can be combined with a Mortgage Credit Certificate for extra savings.
No minimum residency requirement.
Available statewide for eligible professions.
Helps cover both down payment and closing costs.
To see if you qualify for the Homes for Texas Heroes Program, review the following eligibility requirements:
Residency: Must be a Texas resident or purchasing a home in Texas.
Credit Requirements: Must have a minimum credit score of 620 FICO.
Home Purchase Type: Must be buying a primary residence, not an investment property.
Income Limits: Must meet specific income limits based on the location and family size.
Qualifying Professions: Professional Educator, Police Officer, Fire Fighters, Emergency Medical Services Personnel, Military Veteran, Corrections Officer, Juvenile Corrections Officers, County Jailers, Public Security Officer, Nursing Faculty Member and Peace Officer.
The Homes for Texas Heroes Program offers a 30-year fixed-rate mortgage with competitive rates.
You can get 3% to 5% of the loan amount to help with your down payment and closing costs. If you choose a grant, you don't have to repay it.
If you take a loan, you only repay it if you sell or refinance within three years.
Loan Type: 30-year fixed-rate mortgage.
Interest Rates: Competitive rates tailored to the needs of Texas Heroes.
Loan Amount: Maximum loan amounts vary based on the program guidelines and the location of the property.
Down Payment Assistance: Receive 3% to 5% of the loan amount as a grant or deferred forgivable second lien loan.
Repayment Terms: The grant does not require repayment. The deferred forgivable loan only requires repayment if you sell or refinance within three years.
Closing Costs: Assistance can also be applied towards closing costs.
Loan Options: Multiple loan options are available to suit different financial needs.
Mortgage Insurance: May be required depending on the loan type and down payment amount.
Ready to take the next step toward homeownership? With the Homes for Texas Heroes Program, you’re partnering with a trusted resource dedicated to supporting those who serve our communities.
We offer up to 5% down payment assistance, flexible loan options, and a straightforward, hassle-free process. This is your chance to make homeownership a reality, with a program that understands your unique needs.
Don’t wait—start your journey today and take advantage of these exclusive benefits designed just for you. Your dream home is closer than you think!
