Resources / Housing & Transportation
Texas State Affordable Housing Corporation — Homes for Texas Heroes
Statewide nonprofit program pairing fixed-rate home loans for veterans, police, firefighters, EMS, county jailers, corrections officers and educators with down payment assistance of up to 5% of the loan amount — as a grant that never has to be repaid or a forgivable second lien fully forgiven after three years — plus Mortgage Credit Certificates for first-time buyers.
- Cost
- Loan program — fixed-rate mortgage plus DPA up to 5% of the loan amount (grant that never has to be repaid, or forgivable second lien forgiven after three years); MCC fee waived for Texas Heroes
- Coverage
- Texas — statewide through TSAHC-approved participating lenders (Texas)
- Eligibility
- Veterans (including active duty assigned to a Texas base with Texas home of record, Texas National Guard members, and unmarried surviving spouses of veterans), police, firefighters, EMS, county jailers, corrections officers and educators; credit score 620+ (government loans) or 640+ (conventional); income and purchase-price limits vary by county
- Last Verified
- October 8, 2026
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