Texas Health Care Heroes Down Payment Assistance

What is 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.

How much assistance does it provide?

Texas Health Care Heroes Down Payment Assistance 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 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.

Who qualifies?

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

What are the income limits?

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.

What kind of home can it be used for?

Texas Health Care Heroes Down Payment Assistance can be used for Single-family.

• New construction is eligible.

Is there eligibility for specific groups?

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.

Where does it apply?

Texas Health Care Heroes Down Payment Assistance 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 Health Care Heroes Down Payment Assistance go through the administering agency, which publishes the current terms and the application steps on its own site.

1. 1

   Contact the administering agency to reserve funds

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

2. 2

   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.