Texas Health Care Heroes Down Payment Assistance

Texas Health Care Heroes Down Payment Assistance is a grant for homebuyers in Texas. The TSAHC Homes for Texas Heroes Program provides 30-year fixed-rate mortgage loans with 3%–5% down payment assistance for eligible Texas healthcare heroes including nurses, nursing faculty, allied health faculty, EMS personnel, and other public-service professionals. Assistance can be taken as a non-repayable grant or a deferred forgivable second lien forgiven after three years. A Mortgage Credit Certificate (MCC) may be stacked for first-time buyers. 3%–5% DPA (grant or forgivable lien). Covers nurses, allied health, EMS, and more. 30-year fixed rate. Stackable MCC credit. Statewide through participating lenders. 620 minimum credit score. Funding comes from State.

Texas Health Care Heroes Down Payment Assistance is structured as a grant, so it is not repaid. Repayment is triggered by Sale and Refinance. The assistance is recorded in Grant (no lien) or 2nd Lien position. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Texas Health Care Heroes Down Payment Assistance is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time homebuyer" usually means not having owned a home in the last three years, but the program sets its own definition. The program lists a minimum credit score of 620. Citizenship or immigration status: yes.

Texas Health Care Heroes Down Payment Assistance limits household income to 80% of the area median income, which varies by county and household size. Income limits vary by county; generally at or below area income limits set by TSAHC; expanded limits in targeted areas. Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

Texas Health Care Heroes Down Payment Assistance can be used for Single-family. New construction is eligible.

Texas Health Care Heroes Down Payment Assistance names healthcare workers 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.

Texas Health Care Heroes Down Payment Assistance serves homebuyers purchasing anywhere in Texas. The program gives priority to designated target areas, so the address matters as well as the county.

Applications for Texas Health Care Heroes Down Payment Assistance go through the administering agency, which publishes the current terms and the application steps on its own site. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.