TSAHC Home Sweet Texas

What is TSAHC Home Sweet Texas?

TSAHC Home Sweet Texas is a grant for homebuyers in Texas.

• The TSAHC Home Sweet Texas Home Loan program provides down payment and closing cost assistance to low-to-moderate income Texas homebuyers statewide. Borrowers receive up to 5% of the loan amount as either a non-repayable grant or a 0% interest 3-year forgivable second lien. Available with FHA, VA, USDA, and conventional 30-year fixed-rate loans through a network of participating lenders.
• Up to 5% of the loan amount for down payment and/or closing costs.
• Choice of non-repayable grant or 0% interest 3-year forgivable second lien.
• Paired with 30-year fixed-rate first mortgage.
• Available statewide in Texas.
• Minimum 620 credit score required.
• No first-time homebuyer requirement.
• Available with FHA, VA, USDA, and Conventional loans.
• Funding comes from State.

How much assistance does it provide?

TSAHC Home Sweet Texas 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 Home Sweet Texas is structured as a grant, so it is not repaid.

• Repayment is triggered by Sale, Refinance, No Longer Primary, and Transfer of Title.
• 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 Home Sweet Texas is open to buyers who will live in the home as their primary residence.

What are the income limits?

TSAHC Home Sweet Texas limits household income to 125% of the area median income, which varies by county and household size.

• Income limits vary by county and household size; up to 125% of Area Median Family Income. Expanded limits available in targeted areas.
• The limit applies to total household income, not only the borrower’s.
• 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 Home Sweet Texas caps the purchase price as follows: Purchase price limits vary by county; consult TSAHC website for current limits by location.

• Eligible property types include Single Family, Condo, Townhouse, 2-4 Unit, Manufactured Home, and New Construction.
• New construction is eligible.
• Manufactured homes are eligible.

Where does it apply?

TSAHC Home Sweet Texas serves buyers purchasing anywhere in Texas.

• The program targets specific areas: Federally designated targeted areas (certain census tracts) offer expanded income and purchase price limits. Consult TSAHC website for targeted area lookup tool.

How do you apply?

Applications for TSAHC Home Sweet Texas 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 Homebuyer education may be required depending on loan type. TSAHC-approved online course available through eHome America at ehomeamerica.org. HUD-approved housing counseling agencies also accepted. Visit readytobuyatexashome.com for more information..

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.