Homeownership Across Texas

What is Homeownership Across Texas?

Homeownership Across Texas is a grant for homebuyers in Texas.

• TSAHC (Texas State Affordable Housing Corporation) statewide grant program providing 3-5% of the loan amount for down payment and closing costs. Grant requires no repayment. Available to all qualifying homebuyers (not limited to first-time buyers). Available statewide except in El Paso, Grand Prairie, McKinney, and Travis County.
• 3% grant with FHA, VA, or USDA loans.
• 5% grant with conventional loans.
• no repayment required.
• no recapture period.
• no first-time homebuyer requirement.
• available statewide except El Paso, Grand Prairie, McKinney, and Travis County.
• Funding comes from State.

How much assistance does it provide?

Homeownership Across Texas provides assistance worth 3% of the purchase price, as set by the program.

• 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?

Homeownership Across Texas is structured as a grant, so it is not repaid.

• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Homeownership Across Texas is open to buyers who will live in the home as their primary residence.

What are the income limits?

Homeownership Across Texas limits household income to 115% of the area median income, which varies by county and household size.

• 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?

Homeownership Across Texas can be used for Single Family, Condo, and Townhouse.

• New construction is eligible.

Where does it apply?

Homeownership Across Texas serves buyers purchasing anywhere in Texas.

• The program gives priority to designated target areas, so the address matters as well as the county.

How do you apply?

Applications for Homeownership Across Texas go through the administering agency, which publishes the current terms and the application steps on its own site.

1. 1

   Take a homebuyer education course

   Required by the program before funds are reserved.

2. 2

   Contact the administering agency to reserve funds

   Funds are reserved with the provider and are subject to availability.

3. 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.