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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: up to 5% of the home loan, as a grant or forgivable loan.

Amount
Up to 5% of the home loan
Kind of help
Grant or forgivable loan
First-time buyers only
No
Credit score
620 or higher

Grant or forgivable loan: your choice, either way up to 5% of the loan: a grant that never has to be repaid, or a second loan forgiven after three years if you don't sell, refinance or move.

A grant is money you never pay back, as long as you keep to the program's rules.

A forgivable loan is written off once you have kept the home and its first mortgage for the years the program sets.

Who qualifies for Home Sweet Texas Home Loan Program?

  • Varies by county and household size; up to 150-170% of area median income.
  • You don't have to be a first-time buyer.
  • A credit score of 620 or higher.
  • A homebuyer education course before you buy.
  • It comes with a TSAHC fixed-rate mortgage from a TSAHC-approved participating lender.
  • Price limit: varies by county.

Most limits follow your county and household size. Our HUD income limits lookup shows your area's median income and where your household sits.

How to apply for Home Sweet Texas Home Loan Program

  1. Texas State Affordable Housing Corporation pays this help out through its approved lenders, so you apply with one of them, together with your home loan.
  2. The lender checks your income, credit and the home against the program's rules and reserves the money for you.
  3. The help is paid at closing, toward your down payment and closing costs.

Read the full rules and whether it is taking applications on Texas State Affordable Housing Corporation's page for Home Sweet Texas Home Loan Program, or pick a lender from 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

Rather not call? Send your details and the lender will reach you.

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.

Other first-time buyer programs in Texas

All Texas first-time home buyer programs · Down payment assistance in every state