TSAHC provides 30-year fixed interest rate mortgage loans, down payment assistance grants, and mortgage credit certificates through the following programs. These programs are offered through a network of approved mortgage lenders.

Loans w/ Down Payment Assistance:

  • Credit scores as low as 620No max DTI w/AUS approval
  • Low fees
  • Third Party Originators allowed
  • FHA manual underwrites allowed up to 43% DTI with no additional fee (640 minimum FICO score required)
  • FHA non-traditional credit allowed with no additional fee
  • Income limits vary by county. Expanded income limits available in targeted areas.

Mortgage Credit Certificates (MCC):

  • A special tax credit that reduces a home buyer’s federal income tax liability every year
  • Helps the home buyer qualify by reducing the DTI
  • No minimum credit score or maximum DTI requirements
  • May be used with any fixed-rate loan product or combined with TSAHC’s Down Payment Assistance.
  • FREE for those Texas Heroes also using TSAHC’s Down Payment Assistance.
  • ‚ÄčIncome limits vary by county.
  • Expanded income and purchase price limits available in targeted areas.
  • Exclusively for first-time home buyers

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