Texas is home to thousands of dedicated professionals who keep our communities strong — from teachers and nurses to first responders and veterans. Yet, for many of these heroes, buying a home can still feel out of reach due to high down payments and closing costs.
That’s where the TSAHC Homes for Texas Heroes Program steps in.
This powerful initiative helps everyday heroes turn the dream of homeownership into reality — and when paired with Loan Factory’s Best Price Guarantee, you can secure your home at the lowest possible cost.
What Is the TSAHC Homes for Texas Heroes Program?
The Texas State Affordable Housing Corporation (TSAHC) created the Homes for Texas Heroes Program to support public servants and military members with affordable home financing.
It provides:
- Down payment and closing cost assistance (DPA) up to 5% of your loan amount
- Fixed-rate 30-year mortgages through approved lenders
- Optional Mortgage Credit Certificates (MCC) for annual federal tax savings
- Flexible qualification and simplified application steps
In short: It’s designed to make homeownership accessible, affordable, and fast — especially for those who serve Texas every day.
Who Qualifies as a “Texas Hero”?
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You may qualify the TSAHC Heroes Program if you work full-timeYou may qualify if you work full-time in one of these professions:
- Teachers & School Staff – educators, librarians, counselors, and school nurses
- First Responders – firefighters, EMTs, and paramedics
- Law Enforcement – police officers, peace officers, correctional officers
- Healthcare Professionals – nurses, allied health faculty, and medical instructors
- Military Members & Veterans – active duty or retired service members
To qualify, you’ll also need:
- Credit score: Typically 620+
- Income limits: Must fall within county-based maximums
- Primary residence: The home must be your main place of living
- Homebuyer education course: Complete before closing
Tip: You don’t need to be a first-time buyer — this program welcomes repeat buyers too.
→ Read more: First-Time Home Buyer Loans in Texas: Explore Top Programs!
How the Assistance Works
The program gives you 3%–5% of your total loan amount as down-payment assistance, which can be structured in two ways:
Type | Description |
| Grant (Gift) | You never repay it — true free assistance. |
| Forgivable Second Loan | A 0% interest, no-payment loan that’s fully forgiven after 3 years if you stay in the home. |
That means if you’re buying a $400,000 home, you could receive up to $20,000 toward your down payment and closing costs.
Combine this with an FHA or VA loan, and you could buy your home with little or no money down.
Bonus: The Mortgage Credit Certificate (MCC)
If you’re a first-time homebuyer, you can apply for a Mortgage Credit Certificate (MCC) through TSAHC.
An MCC lets you claim up to 20% of your mortgage interest paid each year as a federal tax credit — saving you thousands over the life of your loan.
For example:
If you pay $10,000 in mortgage interest annually, you could receive $2,000 back each year on your taxes.
How to Apply for the TSAHC Heroes Program
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Apply for the TSAHC Heroes ProgramStep 1: Check your eligibility.
Visit TSAHC’s website and take their short “Eligibility Quiz.” It’ll tell you which programs fit your profile.
Step 2: Find an approved lender.
You must apply through a TSAHC-approved lender — and Loan Factory connects you with 240+ lenders, many of which participate directly in TSAHC programs.
Step 3: Complete homebuyer education.
Take a short online course to learn about budgeting, credit, and the buying process.
Step 4: Choose your assistance option.
Select either the grant or forgivable second loan.
Step 5: Lock your rate and close on your home!
Once your loan is approved, you’ll lock your rate and move into your new Texas home.
Example: How a Texas Hero Saves with TSAHC
Let’s say Samantha, a Houston school teacher, wants to buy her first home for $350,000.
- She qualifies for 5% down-payment assistance = $17,500.
- Her lender locks a 30-year fixed rate.
- She also receives a Mortgage Credit Certificate, saving about $2,000/year in taxes.
- Combined with Loan Factory’s Best Price Guarantee, she’s confident she’s getting the lowest total cost available.
In just a few steps, Samantha becomes a proud Texas homeowner — without draining her savings.
Why Choose Loan Factory
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Loan Factory reviewsWhen you’re applying for programs like TSAHC Homes for Texas Heroes, choosing the right mortgage partner is everything. That’s where Loan Factory gives you an unbeatable advantage:
- Best Price Guarantee: If we can’t beat a competitor’s official loan offer, we’ll pay you $1,000 (Terms & Conditions).
- Access to 240+ lenders: Instantly compare rates and programs, including TSAHC-approved lenders.
- AI-powered MOSO platform: Faster approvals, real-time rate comparisons, and smart loan matching.
- Local loan advisors: Personalized support throughout your entire homebuying journey.
- Zero junk fees or application fees.
- Trusted leadership: Guided by Thuan Nguyen, America’s #1 Loan Officer.
With Loan Factory, you don’t just apply — you win your mortgage with confidence.
Ready to Own Your Home in Texas?
If you’re a teacher, firefighter, nurse, police officer, or veteran — you’ve given so much to your community. Now it’s time to invest in your own future with help from the TSAHC Homes for Texas Heroes Program.
Loan Factory is here to help you qualify, compare rates, and save more on your first (or next) home.
Apply online: www.LoanFactory.com/apply
Check mortgage rates: www.LoanFactory.com/quote
Talk to an advisor: (660) 333-3333
FAQs About the TSAHC Homes for Texas Heroes Program
