Program guide
What to know before you click through
This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.
Who qualifies?
Texas classroom teachers and eligible K-12 school staff, Firefighters, EMS personnel, peace officers, county jailers, and public security officers, Corrections officers serving TDCJ or TJJD systems, Veterans and qualifying active-duty military borrowers, Nursing faculty and allied health faculty members using a participating lender
What support do you get?
Current TSAHC materials describe a 30-year fixed first mortgage that can add down payment assistance at 2%, 3%, 4%, or 5% of the first-mortgage amount. The assistance can be structured as a grant on eligible government-loan executions or as a 3-year deferred forgivable second lien, while MCC remains an optional paired tax-credit path.
Do you repay it?
Grant executions do not require repayment. The deferred forgivable second lien has no monthly payment and is forgiven after three years of continued owner-occupancy; it must be repaid if the borrower sells, refinances, or stops occupying the home before the 3-year mark.
How do you apply?
Start with the TSAHC eligibility quiz, complete a Texas Financial Toolbox homebuyer-education course before closing, then work through a TSAHC-approved participating lender that will choose the correct DPA and MCC combination and submit the loan file.
Application timing
TSAHC lenders use the lender portal to register, float or lock the loan. The pre-closing compliance package must be submitted at least 5 calendar days before the anticipated closing date, and the closed loan must be purchased within 60 calendar days after the interest-rate lock.
Official source evidence
Current TSAHC materials say Homes for Texas Heroes is a statewide 30-year fixed mortgage for Texas Hero occupations that can pair with 2% to 5% DPA and, when eligible, an MCC. The latest public FAQ set also clarifies the role list, 620 versus 640 score split, homebuyer-education rule, and the end of standalone MCC issuance.
View official source
Last verified
2026-04-22
Current combined income and purchase-price limits effective 2025-05-28; latest MCC-use FAQ verified 2026-04-22
Paid preview
What paid access adds for Homes for Texas Heroes Program
See the shape of the comparison output, risk checks, lender questions, and next-step checklist before you decide whether this program is worth carrying into the paid layer.
Example paid output for this program. The free page stays visible either way.
Comparison preview
Homes for Texas Heroes Program
Amount: Current TSAHC materials show DPA tiers at 2% to 5% of the first-mortgage amount, plus optional MCC pairing for eligible Texas Hero borrowers.
Repayment: Grant executions do not require repayment. The deferred forgivable second lien is forgiven after three years but must be repaid if the home is sold, refinanced, or no longer owner-occupied before then.
First-time buyer: Varies
Timing: TSAHC lenders use the lender portal to register, float or lock the loan. The pre-closing compliance package must be submitted at least 5 calendar days before the anticipated closing date, and the closed loan must be purchased within 60 calendar days after the interest-rate lock.
Risk checks preview
What gets flagged before you call a lender
- Homes for Texas Heroes Program requires a participating lender.
- Homes for Texas Heroes Program must be paired with a specific first mortgage.
Lender questions preview
Questions tied to this exact path
- Is your team approved to originate Homes for Texas Heroes Program for this household and loan setup?
- Which first-mortgage product must be paired with Homes for Texas Heroes Program, and what breaks eligibility?
Action checklist preview
What you would do next
- Review the official Program page for Homes for Texas Heroes Program
- Ask whether your lender is approved for this exact program and loan structure.
