Not enough saved for a down payment? Let's check.

Example program

Home Sweet Texas (TSAHC)

The Texas State Affordable Housing Corporation (TSAHC) offers the Home Sweet Texas Home Loan Program for low and moderate income households, including first-time and repeat buyers. Here's how it works, in plain English:

• A fixed-rate mortgage paired with down payment assistance of up to 5% of your loan amount for your down payment and closing costs.
• The help comes as a grant that doesn't have to be repaid (paired with FHA, VA or USDA loans) or a forgivable second lien that's forgiven after three years if you don't sell, refinance or move out.
• Income, purchase price and credit limits apply and vary by county and household size. TSAHC lists a minimum 620 credit score for government loans and 640 for conventional.
• The home must be your primary residence: a single-family home, condo, townhome, or an eligible manufactured home.
• At least one buyer completes a homebuyer education course before closing.
• You apply through a TSAHC participating lender, who confirms whether you qualify.

First-time buyer? Ask about the MCC

First-time buyers may also qualify for a Mortgage Credit Certificate, a federal income tax credit equal to 15% of the mortgage interest you pay each year.

Teacher, first responder or veteran?

TSAHC's Homes for Texas Heroes program is built for educators, police officers, firefighters, EMS, corrections officers, veterans and other eligible professions.

How I help

• Quick check of your goals, timeline and area
• Intro to local lenders who offer assistance programs
• Homes that fit the program's price limits and your budget

Program details are set by TSAHC and participating lenders and can change at any time. This page is general information, not a commitment to lend or a guarantee of eligibility. Other city, county and lender programs may also be available.