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 offers down payment and closing cost assistance as a grant at select levels or as a zero-interest, three-year deferred forgivable second lien in amounts from 2% through 5% of the loan amount.
The program also offers a 30-year fixed-rate mortgage with different options to make home buying easier.
Grant assistance has no repayment requirement. A deferred forgivable second lien is forgiven after three years when its occupancy and loan terms are met.
Texas Heroes Program Eligibility Calculator - Use our free calculator to instantly check if you qualify for up to 5% down payment assistance through the Homes for Texas Heroes Program.
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 an available grant level or a 2% to 5% three-year deferred forgivable second lien.
No repayment required for grant option.
The unforgiven second-lien balance is due if the home is sold or refinanced during the three-year term.
30-year fixed-rate mortgage with various loan options.
No first-time homebuyer requirement.
An eligible loan may include TSAHC's 15% Mortgage Credit Certificate; the certificate is not available as a stand-alone TSAHC product.
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: Minimum 620 FICO for FHA, VA, and USDA financing, or 640 for conventional financing.
Home Purchase Type: Must be buying a primary residence, not an investment property.
Income Limits: Limits depend on the property location and product. No-DPA and DPA-only products may allow qualifying income up to 170% of area median income.
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 receive assistance from 2% through 5% of the loan amount through available grant and three-year deferred forgivable second-lien options.
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 2% to 5% of the loan amount through available grant or three-year deferred forgivable second-lien options.
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!
