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Home Sweet Texas Home Loan Program - Grant

Statewide, Texas

Last verified
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Assistance

5%

Of the purchase price, as the program sets it

Income limit

$201,460

The household income limit the program publishes

Repayment

Grant

Not repaid

What is Home Sweet Texas Home Loan Program - Grant?

Home Sweet Texas Home Loan Program - Grant is a grant for homebuyers in Statewide, Texas.

  • Home Sweet Texas Home - Grant is the true-grant version of TSAHC's HSTH program. Up to 5% of the loan amount is provided as a non-repayable grant (no lien). Targets moderate/higher-income buyers; for lower-income buyers, the 3-year deferred forgivable 2nd lien option is available with lower income tiers and typically a lower first-mortgage rate.
  • TSAHC's Home Sweet Texas Home - Grant option provides a 30-year fixed-rate first mortgage paired with down payment and closing-cost assistance up to 5% of the loan amount, structured as a TRUE GRANT - no lien recorded, no repayment, no occupancy term. Higher income limits than the forgivable 2nd lien option (designed for moderate/higher-income buyers). No first-time-homebuyer requirement. Borrowers may stack the Mortgage Credit Certificate (MCC) when offered.
  • Funding comes from TSAHC TBA execution / capital markets; TSAHC is a 501(c)(3) self-sustaining state-chartered organization.

How much assistance does it provide?

Home Sweet Texas Home Loan Program - Grant provides assistance worth 5% of the purchase price, as set by the program.

  • Buyer contribution: No minimum borrower contribution required by TSAHC.
  • The program can be combined with other assistance, subject to the rules of each.
  • Amounts are the program's published maximums, not an offer — the administering agency determines any individual award.

Do you have to pay it back?

Home Sweet Texas Home Loan Program - Grant is structured as a grant, so it is not repaid.

  • Repayment is triggered by None - grant is non-repayable and no lien recorded.
  • The assistance is recorded in No Lien (Grant) position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Home Sweet Texas Home Loan Program - Grant is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • On credit: 620 minimum FICO for FHA/VA/USDA; 640 for HFA-preferred conventional
  • A completed homebuyer education course, through TSAHC-approved homebuyer education required - online course provided through Texas Homebuyer U / TSAHC partner CHCs
  • Residency: Property must be in Texas and occupied as primary residence
  • Citizenship or immigration status: U.S. citizen or qualified non-citizen per agency loan-product guidelines
  • Open to all qualifying buyers (no occupation restriction). 620 minimum FICO for Government loans, 640 for Conventional. Borrower must occupy as primary residence. Grant funds are non-repayable (no lien); the trade-off vs the 2nd-lien forgivable structure is typically a slightly higher first-mortgage rate. Designed for higher-income buyers (income range starts ~$123,500 4-person and tops $201,460).

The program excludes

  • Households above $201,460

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Home Sweet Texas Home Loan Program - Grant limits household income to $201,460.

  • The limit applies to total household income, not only the borrower’s.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Home Sweet Texas Home Loan Program - Grant caps the purchase price as follows: No TSAHC-imposed sales-price cap (subject to FHA/VA/USDA county loan limits and conforming conventional limits).

  • Eligible property types include Single-family detached, townhomes, condos meeting agency approval, eligible PUDs, eligible manufactured homes.
  • New construction is eligible.
  • Manufactured homes are eligible.

Is there eligibility for specific groups?

Home Sweet Texas Home Loan Program - Grant names veterans, active-duty service members, reservists and National Guard members, surviving spouses, American Indian and Alaska Native buyers, educators, law enforcement officers, firefighters, healthcare workers, and buyers with disabilities among the groups it serves.

  • Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Where does it apply?

Home Sweet Texas Home Loan Program - Grant serves buyers purchasing in Statewide, Texas.

How do you apply?

Applications for Home Sweet Texas Home Loan Program - Grant go through the administering agency, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through TSAHC-approved homebuyer education required - online course provided through Texas Homebuyer U / TSAHC partner CHCs.

  2. Contact the administering agency to reserve funds

    Funds are reserved through Lenders reserve via TSAHC's online lender portal (Lender Online), and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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Home Sweet Texas Home Loan Program - Grant, explained

A short, free course on Home Sweet Texas Home Loan Program - Grant: what it is, who it is for, whether it has to be paid back, where it applies and how to apply. Based on program data from August 2026. About ten minutes.

5 modules · About 10 minutes

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