The Homes for Texas Heroes Program provides up to 5% of the mortgage loan amount through available grant and three-year deferred forgivable second-lien options.
The program offers tailored home loans and down payment assistance for a variety of Texas Heroes like Nurses, Teachers, Veterans, and more.
Check Your Home Purchase EligibilityThe Homes for Texas Heroes Program is designed to help Texans who serve their communities get the money and support they need to buy a home.
If you qualify, assistance from 2% through 5% of the mortgage loan amount can be applied toward down payment and closing costs.
On a $500,000 home, this means the Homes for Texas Heroes Program gives you assistance between $15,000 and $25,000.
Assistance is available as a grant at select levels or as a zero-interest, three-year deferred forgivable second lien.
The program is available to various community heroes, including.
Allied Health Faculty Members: Full-time faculty in allied health programs.
Corrections Officers: Full-time TDCJ employees with hazardous duty pay.
County Jailers: Full-time county jail guards licensed by TCOLE.
EMS Personnel: Full-time emergency care attendants, EMTs, and paramedics.
Fire Fighters: Full-time fire department employees engaged in active fire service roles.
Juvenile Corrections Officers: Full-time employees of the Texas Juvenile Justice Department.
Nursing Faculty Members: Full-time faculty in nursing programs.
Peace Officers: Full-time peace officers licensed by TCOLE.
Professional Educators: Full-time K-12 teachers, aides, librarians, counselors, and nurses.
Public Security Officers: Full-time armed security officers employed by the state or local government.
Veterans: Active duty members, those with significant military service, and eligible surviving spouses.
Government financing requires a minimum credit score of 620; conventional financing requires at least 640.
You must be employed in one of the eligible professions, such as teachers, firefighters, law enforcement officers, veterans, and more.
Income limits depend on the county and selected product. No-DPA and DPA-only products may allow qualifying income up to 170% of area median income.
You must be purchasing a primary residence, which can be a 1-4 unit family home.
Ready to start your journey to homeownership? Follow these simple steps to apply for the Homes for Texas Heroes Program.
Begin by contacting MakeTexasYourHome to initiate your online application. Our team will guide you through the initial steps and answer any questions you may have.
Prepare necessary documentation, such as proof of employment, service records, income statements, and other relevant paperwork to support your application.
Fill out and submit your completed application along with the required documents. Make sure to double-check all information for accuracy.
Work with our mortgage specialists to get pre-approved for your home loan. This step will help you understand how much you can afford and streamline the home buying process.
Upon closing, access up to 5% of the mortgage loan amount through an available grant or three-year deferred forgivable second-lien option.
Congratulations! You're now ready to move into your new home and enjoy the benefits of the Homes for Texas Heroes Program.
The Homes for Texas Heroes Program offers home loans and down payment assistance to educators, first responders, and veterans in Texas.
The program is available to full-time allied health faculty, corrections officers, county jailers, EMS personnel, firefighters, juvenile corrections officers, nursing faculty, peace officers, professional educators, public security officers, and veterans.
Qualified applicants can receive from 2% through 5% of the mortgage loan amount for down payment and closing costs.
Available structures include grants at select levels and zero-interest, three-year deferred forgivable second liens.
Yes, first-time homebuyers can apply and may also be eligible for a Mortgage Credit Certificate (MCC), which provides a tax credit.
TSAHC's Mortgage Credit Certificate has a 15% credit rate and may be combined with an eligible Homes for Texas Heroes loan. A stand-alone TSAHC MCC is not available.
Start your online application by contacting MakeTexasYourHome, where our team will guide you through the initial steps.
You will need proof of employment, service records, income statements, and other relevant documents to support your application.
The timeline can vary, but our team will work with you to ensure a smooth and timely process from application to closing.
Yes, you can apply even if you have previously owned a home, as long as you meet the program's eligibility requirements.
