TSAHC's statewide down payment assistance for low- and moderate-income Texans — open to any profession, with no first-time buyer requirement. Up to 5% of your loan amount toward your down payment and closing costs.
Home Sweet Texas is TSAHC's program for low- and moderate-income Texans who don't work in a "hero" profession. It pairs a 30-year fixed-rate mortgage with up to 5% of your loan amount in down payment and closing cost assistance — as a grant or a forgivable second lien. There is no first-time buyer requirement, so repeat buyers who meet the income limits can qualify too.
Unlike the Heroes program, Home Sweet Texas isn't limited to specific professions. If you don't qualify under Heroes, this is usually the path — the main gates are your county income limit and credit.
Never repaid
Applied toward your down payment and closing costs with nothing to pay back. Usually paired with a slightly higher first-mortgage rate.
Forgiven over time
A 0%-interest second lien, no monthly payment, forgiven after you stay in the home a set number of years. Selling or refinancing early may require repaying a prorated portion.
Because the up-to-5% can go toward both, many buyers reach the closing table with far less cash than the 10–20% they assumed they needed.
Rough estimate for illustration only. Closing costs assumed ~3% of price. Not an offer or approval — your real numbers depend on rate, county limits, seller credits, and underwriting.
| Program | Who It's For | Assistance | First-Time Buyer? | Loan Types |
|---|---|---|---|---|
| Homes for Texas Heroes | Teachers, police, fire, EMS, corrections, veterans | 3–5% DPA | Not required | FHA·VA·USDA·Conv |
| Home Sweet Texas | Any profession, low–moderate income | Up to 5% DPA | Not required | FHA·VA·USDA·Conv |
| TDHCA My First Texas Home | First-time buyers & veterans | Up to 5% DPA | Required* | FHA·VA·USDA |
| Texas MCC | First-time buyers wanting an annual tax credit | Up to $2,000/yr credit | Required* | FHA·VA·USDA·Conv |
A down payment assistance program (Heroes, Home Sweet Texas, or My First Texas Home) covers your cash to close, while an MCC adds an annual federal tax credit on top. I'll model the right combination for your situation.
*First-time buyer = no primary-residence ownership in the past 3 years; waived for veterans and qualified targeted areas. Income and purchase-price limits apply by county for all programs.
Most renters never check — and many already qualify. Let's run your county income limit and see how much assistance you can get. No cost, no obligation. English & Turkish.