Current statewide paths
4
Public statewide pages that are live and safe to compare first.
Texas first responder home loans and programs
Current public paths6 current public paths are live for Texas today, including 4 statewide paths and 4 local or specialty paths. Start with the free state facts and strongest public paths first. Open paid access only if you still need the full state board, related paths, or a clearer decision workflow.
Public pages live now
6 public paths
Current statewide paths
4
Current local and specialty public paths
4
Support types in public view
Multiple assistance options, Mortgage tax credit, Forgivable second mortgage
Last verified
2026-04-22
Paid layer
5 deeper research records
State coverage breakdown
What stays free on the Texas page
The free state page shows the public shape of the state first. Paid access is where the full state board, deeper tracked paths, and decision tools start.
Current local and specialty public paths
4
Current city, county, employer, or specialty public paths already surfaced in this state.
Under-review public signals
4
Signals that remain visible for trust, but stay excluded from verified public coverage.
Deeper paid research tracked
5
Additional local, specialty, or judgment-heavy records still reserved for the paid layer.
Top public paths shown free
Start with the strongest public paths in Texas
The free page shows 5 representative public paths first. Paid access opens the full Texas board so you can rank the remaining tracked paths around your scenario.
1 more tracked paths and notes stay inside the paid state board.
Paid preview
What paid access adds for Texas
Before you pay, see the shape of the comparison output, risk checks, lender questions, and next-step list that this state can generate from the current public facts.
Example paid output for 2 programs. 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 page for Hill Country Home Down Payment Assistance Program
- Review the official Program guide for Homes for Texas Heroes Mortgage Credit Certificate
What paid unlocks in this state
Open the full Texas board when the free slice stops being enough
Keep the public facts free. Open paid access only when you need the complete state board, related path ranking, judgment calls, and next-step tools around this state.
Full state board
5 more tracked paths sit behind the full board
Free shows the strongest public slice. Paid keeps statewide, local, employer, specialty, and conditional paths in one board.
Related paths
See what this state should be compared against
Use the paid layer to compare the strongest statewide path against local, employer, and specialty backups in one place.
Judgment layer
4 caution-heavy records need slower review
Paid keeps overlap notes, source conflicts, thin local pages, and conditional paths visible without flattening them into fake certainty.
Call prep
Turn a state page into an action plan
Use paid access for shortlist building, lender questions, risk checks, and a next-step queue tied to this state.
Watch list
Under review official signals
These signals remain excluded from indexing until reconfirmed.
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City of Houston Homebuyer Assistance Program
Houston still presents HAP as a real city path with up to $50,000 in assistance, but the current official Homebuyer Hub conflicts with itself on whether new applications are actively being accepted or are on hold until further notice, and other official pages drift on extensions and property-type rules.
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Dallas Targeted Occupations Homebuyer Assistance Program
Dallas still preserves targeted-occupation program materials for teachers, librarians, healthcare, and protective-service workers, but the current city DHAP page says new applications are not being accepted and that targeted-occupation extension funds have been expended, while older application-path materials remain online.
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First Responders Homebuyer Assistance Program (FRHAP)
Current City of San Antonio employee-benefits materials say FRHAP is not accepting new applications for FY 2026 and would require City Council renewal before any new funds return, while the city handout still shows the historical loan terms.
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Homeownership Program for Employees (HOPE)
Current City of San Antonio employee-benefits materials say HOPE is not accepting new applications for FY 2026 and would require City Council renewal before any new funds return, while the city handout still shows the historical loan terms.
Paid research preview
What paid research already covers in Texas
Paid research already tracks city and county programs, public employee or pension paths, specialty and conditional paths for Texas.
5 tracked deeper records
These are not generic promises. They are the local, employer, public-employee, and specialty directions already sitting behind the paid layer.
What unlocks after payment
Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.
1 tracked
city and county programs
City and county down payment or closing-cost programs that never make it into the free statewide layer.
1 tracked
public employee or pension paths
Public employee or pension-backed mortgage angles that need slower source review.
3 tracked
specialty and conditional paths
Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.