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?
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 do 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 do you 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.
Application timing
TSAHC lenders reserve and manage MCC-linked loans in the lender portal. The file must be locked before TSAHC compliance review, the pre-closing compliance package is due at least 5 calendar days before the anticipated closing date, and purchase or MCC issuance depends on closing-document approval.
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.
View official source
Last verified
2026-04-13
2025-12-09
Paid preview
What paid access adds for Homes for Texas Heroes Mortgage Credit Certificate
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 Mortgage Credit Certificate
Amount: 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.
Repayment: 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.
First-time buyer: Unknown
Timing: TSAHC lenders reserve and manage MCC-linked loans in the lender portal. The file must be locked before TSAHC compliance review, the pre-closing compliance package is due at least 5 calendar days before the anticipated closing date, and purchase or MCC issuance depends on closing-document approval.
Risk checks preview
What gets flagged before you call a lender
- Homes for Texas Heroes Mortgage Credit Certificate requires a participating lender.
- Homes for Texas Heroes Mortgage Credit Certificate 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 Mortgage Credit Certificate for this household and loan setup?
- Which first-mortgage product must be paired with Homes for Texas Heroes Mortgage Credit Certificate, and what breaks eligibility?
Action checklist preview
What you would do next
- Review the official Program guide for Homes for Texas Heroes Mortgage Credit Certificate
- Ask whether your lender is approved for this exact program and loan structure.
