TSAHC Homes for Texas Heroes

What is 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.

How much assistance does it provide?

TSAHC Homes for Texas Heroes 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 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.

Who qualifies?

TSAHC Homes for Texas Heroes is open to buyers who will live in the home as their primary residence.

What are the income limits?

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.

What kind of home can it be used for?

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.

Is there eligibility for specific groups?

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.

Where does it apply?

TSAHC Homes for Texas Heroes serves buyers 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.

How do you apply?

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.

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.