Get a FREE quote on a down payment assistance & save thousands of dollars per year.
We help Texans buy a home for themselves and their families through a nonprofit organization that was created by the Texas Legislature to help Texans achieve their dream of home ownership. Our Homes for Texas Heroes Program offers home loans and down payment assistance for teachers, police officers, firefighters and EMS personnel, corrections officers, and veterans.
The Homes for Texas Heroes Program assists the following hero professions* with down payment assistance and fixed rate home loans.
Professional educators, which includes the following full-time positions in a public school district: school teachers, teacher aides, school librarians, school counselors, and school nurses.
You may still be eligible for our Home Sweet Texas Home Program , which offers home buying assistance to Texans who don't qualify under the Heroes program.
The 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. The program serves educators, police officers, firefighters, EMS, county jailers, and correctional officers.
The Homes Sweet Texas Home Loan Program is designed to help low and moderate-income Texans achieve the dream of home ownership.
You can choose to receive the down payment assistance as a grant (which does not have to be repaid) or a deferred forgivable second lien loan (which only has to be repaid if you sell or refinance within three years). If you're eligible, you can essentially receive free money to help you buy a home.
If you are buying your first home, you can also apply for a mortgage interest tax credit known as a Mortgage Credit Certificate (MCC). To qualify, you must meet certain income requirements and the home must meet certain sales price restrictions. The Eligibility Quiz will also help you determine if you qualify for an MCC.
Plus, if you are a Texas Hero use an MCC and Down Payment Assistance together, your MCC is free - an additional $500 in savings!
Mortgage rates change every day, and your rate will vary based on your location, finances, and other factors. Get your FREE customized rate comparison below: