Texas EMS Down Payment Assistance Program

What is Texas EMS Down Payment Assistance Program?

Texas EMS Down Payment Assistance Program is a grant for homebuyers in Texas.

• TSAHC's Homes for Texas Heroes program provides down payment assistance of 2-5% of the loan amount to full-time emergency medical personnel including emergency care attendants, EMTs, EMT-intermediates, EMT-paramedics, and licensed paramedics. Assistance can be a non-repayable grant or a forgivable second lien forgiven after 3 years of owner-occupancy. Minimum 620 credit score required.
• Down payment assistance grant or forgivable 2nd lien.
• 30-year fixed rate mortgage.
• Available to full-time EMTs, paramedics, and emergency care attendants.
• MCC available for first-time buyers.
• Funding comes from State.

How much assistance does it provide?

Texas EMS Down Payment Assistance Program provides assistance worth 5% 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?

Texas EMS Down Payment Assistance Program is structured as a grant, so it is not repaid.

• Repayment is triggered by Sale and Refinance.
• The assistance is recorded in 2nd Lien position.
• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Texas EMS Down Payment Assistance Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

What are the income limits?

Texas EMS Down Payment Assistance Program sets its income limit as follows: Income limits vary by county; must meet TSAHC Homes for Texas Heroes income requirements.

• 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?

Texas EMS Down Payment Assistance Program can be used for Single-family.

• New construction is eligible.

Is there eligibility for specific groups?

Texas EMS Down Payment Assistance Program names firefighters 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?

Texas EMS Down Payment Assistance Program 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 Texas EMS Down Payment Assistance Program 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.