Home Sweet Texas Home Loan Program (TSAHC)

About This Program

The Home Sweet Texas Home Loan Program provides 30-year fixed-rate mortgage loans combined with down payment assistance of up to 5% of the loan amount to low- and moderate-income Texas homebuyers. Assistance can be structured as a grant (no repayment) or a deferred forgivable second lien (forgiven if the buyer remains in the home for three years). No first-time homebuyer requirement; minimum 620 credit score needed.

Down payment assistance is 3%–5% of the mortgage loan amount. On a $250,000 home purchase, assistance could be $7,500–$12,500. Income limits and purchase price caps vary by county.

Key Details

• Down payment assistance up to 5% of loan amount — can be a fully forgiven grant
• 30-year fixed-rate mortgage; minimum 620 credit score required
• Not limited to first-time homebuyers
• Income limits vary by county; applied through TSAHC-approved lenders
• Homebuyer education course required before closing

How to Apply

Deadline: Rolling — continuous program