The Homes for Texas Heroes Program provides a grant of up to 5% of your home purchase price to the people who serve our communities.
The program offers tailored home loans and down payment assistance for a variety of Texas Heroes like Nurses, Teachers, Veterans, and more.
Check Your Home Purchase EligibilityThe Homes for Texas Heroes Program is designed to help Texans who serve their communities get the money and support they need to buy a home.
If you qualify, TSAHC will provide you with a mortgage loan and funding to use for your down payment which is between 3% and 5% of the purchase price!
On a $500,000 home, this means the Homes for Texas Heroes Program gives you assistance between $15,000 and $25,000.
You can choose to receive the down payment assistance as a grant or a deferred forgivable second lien loan that only has to be repaid if you sell or refinance within three years.
The program is available to various community heroes, including.
Allied Health Faculty Members: Full-time faculty in allied health programs.
Corrections Officers: Full-time TDCJ employees with hazardous duty pay.
County Jailers: Full-time county jail guards licensed by TCOLE.
EMS Personnel: Full-time emergency care attendants, EMTs, and paramedics.
Fire Fighters: Full-time fire department employees engaged in active fire service roles.
Juvenile Corrections Officers: Full-time employees of the Texas Juvenile Justice Department.
Nursing Faculty Members: Full-time faculty in nursing programs.
Peace Officers: Full-time peace officers licensed by TCOLE.
Professional Educators: Full-time K-12 teachers, aides, librarians, counselors, and nurses.
Public Security Officers: Full-time armed security officers employed by the state or local government.
Veterans: Active duty members, those with significant military service, and eligible surviving spouses.
A minimum credit score of 620 is required, although some lenders may have higher requirements.
You must be employed in one of the eligible professions, such as teachers, firefighters, law enforcement officers, veterans, and more.
Your income must meet the limits set for your county by the Texas State Affordable Housing Corporation (TSAHC).
You must be purchasing a primary residence, which can be a 1-4 unit family home.
Ready to start your journey to homeownership? Follow these simple steps to apply for the Homes for Texas Heroes Program.
Begin by contacting MakeTexasYourHome to initiate your online application. Our team will guide you through the initial steps and answer any questions you may have.
Prepare necessary documentation, such as proof of employment, service records, income statements, and other relevant paperwork to support your application.
Fill out and submit your completed application along with the required documents. Make sure to double-check all information for accuracy.
Work with our mortgage specialists to get pre-approved for your home loan. This step will help you understand how much you can afford and streamline the home buying process.
Upon closing, access up to 5% of your home's purchase price as a grant or a deferred forgivable second lien loan. For a $500,000 home, this means up to $25,000 in assistance.
Congratulations! You're now ready to move into your new home and enjoy the benefits of the Homes for Texas Heroes Program.
The Homes for Texas Heroes Program offers home loans and down payment assistance to educators, first responders, and veterans in Texas.
The program is available to full-time allied health faculty, corrections officers, county jailers, EMS personnel, firefighters, juvenile corrections officers, nursing faculty, peace officers, professional educators, public security officers, and veterans.
Qualified applicants can receive between 3% and 5% of the home's purchase price for their down payment. For a $500,000 home, this can be up to $25,000.
You can choose to receive the down payment assistance as a grant, which does not need to be repaid, or as a deferred forgivable second lien loan, which only needs to be repaid if you sell or refinance within three years.
Yes, first-time homebuyers can apply and may also be eligible for a Mortgage Credit Certificate (MCC), which provides a tax credit.
An MCC is a tax credit that reduces your federal income taxes, making homeownership more affordable. If you are a Texas Hero, using an MCC and down payment assistance together makes the MCC free.
Start your online application by contacting MakeTexasYourHome, where our team will guide you through the initial steps.
You will need proof of employment, service records, income statements, and other relevant documents to support your application.
The timeline can vary, but our team will work with you to ensure a smooth and timely process from application to closing.
Yes, you can apply even if you have previously owned a home, as long as you meet the program's eligibility requirements.
