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TSAHC East Texas Down Payment Assistance

Texas

Last verified
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Assistance

5%

Of the purchase price, as the program sets it

Repayment

Grant

Not repaid

What is TSAHC East Texas Down Payment Assistance?

TSAHC East Texas Down Payment Assistance is a grant for homebuyers in Texas.

  • TSAHC's regional page for East Texas provides access to the Homes for Texas Heroes and Home Sweet Texas Home Loan programs with income and purchase price limits specific to East Texas counties (including Tyler, Longview, Nacogdoches, Texarkana area). Down payment assistance of 2-5% is available as a non-repayable grant or a forgivable second lien, forgiven after 3 years.
  • Down payment assistance grant or forgivable 2nd lien.
  • Covers East Texas region.
  • Both Heroes and Home Sweet Texas programs.
  • MCC for first-time buyers.
  • Funding comes from State.

How much assistance does it provide?

TSAHC East Texas 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?

TSAHC East Texas 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 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?

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

The program requires

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A minimum 620 credit score
  • A completed homebuyer education course
  • Citizenship or immigration status: yes

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?

TSAHC East Texas Down Payment Assistance sets its income limit as follows: Income limits vary by county in East Texas region. Expanded limits available 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?

TSAHC East Texas Down Payment Assistance can be used for Single-family.

  • New construction is eligible.

Where does it apply?

TSAHC East Texas 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 TSAHC East Texas Down Payment Assistance 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 before funds are reserved.

  2. Contact the administering agency to reserve funds

    Funds are reserved with the provider 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.

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