TSAHC Homes for Texas Heroes

TSAHC Homes for Texas Heroes is a grant for homebuyers in Texas. TSAHC Homes for Texas Heroes provides down payment and closing cost assistance to eligible teachers, law enforcement officers, fire fighters, EMS personnel, corrections officers, and veterans or active military. Offers up to 5% of the loan amount as a grant or 3-year forgivable second lien at 0% interest. Available statewide in Texas with no first-time homebuyer requirement for veterans. Up to 5% of the loan amount for down payment and/or closing costs. Available as a non-repayable grant or 3-year forgivable second lien at 0% interest with no monthly payments. No first-time homebuyer requirement (except conventional loans in non-targeted areas). Compatible with FHA, VA, USDA, and Conventional loans. Available statewide in Texas. Special program for teachers, law enforcement, firefighters, EMS, corrections officers, and veterans/active military. Funding comes from State.

TSAHC Homes for Texas Heroes 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.

TSAHC Homes for Texas Heroes is open to homebuyers who will live in the home as their primary residence. The program lists a minimum credit score of 620. A homebuyer education course is required, 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. Residency requirement: State Resident. Citizenship or immigration status: U.S. Citizen or Permanent Resident. Borrower must be an eligible hero: Pre-K through 12th grade teacher, teacher's aide, school librarian, school nurse or school counselor; police officer, deputy sheriff, constable, or correctional officer; firefighter or EMS personnel; or veteran or active military. First-time homebuyer required for conventional loans only.

TSAHC Homes for Texas Heroes limits household income to 80% of the area median income, which varies by county and household size. 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.

TSAHC Homes for Texas Heroes caps the purchase price at $766,550. Eligible property types include Single Family, Condo, Townhouse, 2-4 Unit, Manufactured Home, and New Construction. New construction is eligible. Manufactured homes are eligible.

TSAHC Homes for Texas Heroes names veterans, active-duty service members, educators, law enforcement officers, firefighters, and 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.

TSAHC Homes for Texas Heroes serves homebuyers purchasing anywhere in Texas. The program targets specific areas: TSAHC designates targeted areas (federally designated census tracts) throughout Texas where borrowers may qualify for higher income and purchase price limits. Targeted areas are typically economically distressed communities. Check tsahc.org or use their eligibility quiz to determine if a property is in a targeted area.

Applications for TSAHC Homes for Texas Heroes 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.