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Home Sweet Texas Home Loan Program

Texas State Affordable Housing Corporation offers Home Sweet Texas Home Loan Program to home buyers in Texas: as much as 5% of the mortgage, as a a grant, or a loan that can be forgiven.

Amount
As much as 5% of the mortgage
Type of assistance
A grant, or a loan that can be forgiven
Limited to first-time buyers
No
Your credit score
At least 620

You choose: a grant or a forgivable loan, each worth up to 5% of the loan. The grant never needs repaying; the second loan is forgiven once three years pass, as long as you don't sell, refinance or move.

Grant money never has to be repaid if you stick to the program's conditions.

Keep the home and first mortgage for the required years, and the forgivable loan is canceled.

Who qualifies for Home Sweet Texas Home Loan Program?

  • County and household size set the cap, up to 150-170% of the median income for the area.
  • Being a first-time buyer isn't required.
  • Your credit score needs to be 620 or more.
  • Complete a homebuyer education course before purchasing.
  • You get this together with a fixed-rate mortgage from TSAHC, arranged by a participating lender who is TSAHC-approved.
  • Price limit: depends on the county.

Your county and household size determine most limits. Use our HUD income limits tool to see your area's median income and your household's position.

How to apply for Home Sweet Texas Home Loan Program

  1. Because Texas State Affordable Housing Corporation sends this help through approved lenders, you apply with one of them alongside your mortgage.
  2. The lender reviews your income, credit and the home under the program's rules, then sets the money aside for you.
  3. At closing, funds go to your down payment and closing costs on the home.

For the full rules and to see if it's taking applications, go to Texas State Affordable Housing Corporation's page for Home Sweet Texas Home Loan Program, or choose a lender off the agency's list of participating lenders.

Ask a lender about Home Sweet Texas Home Loan Program

Tell us where you're buying and a lender that works with Texas's programs can tell you whether Home Sweet Texas Home Loan Program fits you, and what you could combine with it.

Call 866-602-7460

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When you send this request, you agree that one mortgage lender who works with these programs may contact you by email, phone or text, including by automated means, about this request. Agreeing is not a condition of any purchase. We are an independent guide, not a lender or a government agency; only that one lender gets your details, and it may pay us for the introduction. See our about page and privacy notice.

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