Homes for Texas Heroes

What is Homes for Texas Heroes?

Homes for Texas Heroes is a grant for homebuyers in Texas.

• TSAHC (Texas State Affordable Housing Corporation) grant program providing 3-5% of the loan amount for down payment and closing costs. Exclusively for eligible Texas heroes: K-12 teachers, school librarians/counselors/nurses, fire fighters, EMS personnel, peace officers, correctional officers, juvenile justice workers, and U.S. veterans. Grant requires no repayment. Available statewide except in El Paso, Grand Prairie, McKinney, and Travis County.
• 3% grant for FHA/VA/USDA loans or 5% grant for Conventional loans (of the total loan amount) for down payment and/or closing costs.
• no repayment required.
• grant is exclusively for eligible Texas hero professions.
• can be combined with VA loans for zero down payment.
• Funding comes from State.

How much assistance does it provide?

Homes for Texas Heroes 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?

Homes for Texas Heroes 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?

Homes for Texas Heroes is open to buyers who will live in the home as their primary residence.

What are the income limits?

Homes for Texas Heroes 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?

Homes for Texas Heroes can be used for Single Family, Condo, and Townhouse.

• New construction is eligible.

Where does it apply?

Homes for Texas Heroes serves buyers purchasing anywhere in Texas.

• The program targets specific areas: Available statewide in Texas EXCEPT the following excluded areas: City of El Paso, City of Grand Prairie, City of McKinney, and Travis County.

How do you apply?

Applications for Homes for Texas Heroes 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, through Free homebuyer education included.

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.