Texas program
Homes for Texas Heroes Mortgage Credit Certificate
Texas ยท Texas State Affordable Housing Corporation (TSAHC)
Quick answer
What this program appears to offer
15% of annual mortgage interest paid as a federal tax credit; for qualified Homes for Texas Heroes borrowers using MCC with TSAHC down payment assistance, the MCC is free.
Mortgage tax credit
Mortgage tax credit
No loan repayment. Credit may be claimed each year while borrower occupies home as primary residence. If home is sold within 9 years, borrower may be subject to federal recapture tax. If borrower moves out and rents the home, the credit can no longer be claimed.
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Who qualifies
professional educators, first responders, public security officers, veterans or active military, correction officers and juvenile corrections officers, nursing faculty and allied health faculty
What support you get
15% of annual mortgage interest paid as a federal tax credit; for qualified Homes for Texas Heroes borrowers using MCC with TSAHC down payment assistance, the MCC is free.
Do you repay it?
No loan repayment. Credit may be claimed each year while borrower occupies home as primary residence. If home is sold within 9 years, borrower may be subject to federal recapture tax. If borrower moves out and rents the home, the credit can no longer be claimed.
How to apply
Take TSAHC Eligibility Quiz, then work with a participating lender; lender handles application and qualification, not TSAHC directly; approved home buyer education is required before closing.
Official source evidence
TSAHC official materials say the Homes for Texas Heroes Mortgage Credit Certificate provides a 15% federal mortgage-interest tax credit, is free for qualified Homes for Texas Heroes borrowers using MCC with TSAHC down payment assistance, and must be obtained through a participating lender.
Official documents
Last verified
2026-04-13
2025-12-09