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Homes for Texas Heroes Home Loan Program - Grant

Statewide, Texas

Last verified
See what you qualify forOfficial program site →
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 Homes for Texas Heroes Home Loan Program - Grant?

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

  • Homes for Texas Heroes - Grant is the true-grant version of TSAHC's Heroes program. Reserved for qualifying Heroes occupations. Provides up to 5% of the loan amount as a non-repayable grant (no lien). Heroes typically have access to slightly preferential rates relative to Home Sweet Texas Home.
  • TSAHC's Homes for Texas Heroes Home Loan Program - Grant option is reserved for Texas heroes (qualifying occupations) and provides a 30-year fixed-rate first mortgage with down payment and closing-cost assistance up to 5% of the loan amount as a TRUE GRANT - no lien recorded, no repayment. No first-time-homebuyer requirement. Stackable with the Mortgage Credit Certificate (MCC) when offered.
  • Funding comes from TSAHC TBA execution / capital markets.

How much assistance does it provide?

Homes for Texas Heroes 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?

Homes for Texas Heroes 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?

Homes for Texas Heroes 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
  • Restricted to TSAHC-defined Heroes occupations: full-time professional educators (teachers, teacher aides, school librarians, counselors, school nurses); allied health faculty members; full-time peace officers / police; full-time fire fighters; full-time emergency medical services personnel (EMT/paramedic); corrections officers and juvenile corrections officers; veterans and active-duty military (Army, Navy, Air Force, Marines, Coast Guard, Space Force) and reservists/National Guard; surviving spouses of fallen heroes; full-time public security officers; nursing-faculty employees of public colleges. Borrower must occupy as primary residence. 620 FICO Government / 640 Conventional. Designed for moderate-to-higher income tier (~$123,500-$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?

Homes for Texas Heroes 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?

Homes for Texas Heroes 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?

Homes for Texas Heroes 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?

Homes for Texas Heroes Home Loan Program - Grant serves buyers purchasing in Statewide, Texas.

How do you apply?

Applications for Homes for Texas Heroes 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.

Learn this program

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Homes for Texas Heroes Home Loan Program - Grant, explained

A short, free course on Homes for Texas Heroes 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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