Bootcamp For Buyers

Homes for Texas Heroes Program

The Homes for Texas Heroes Program, administered by the Texas Department of Housing and Community Affairs (TDHCA), is designed to assist community heroes such as teachers, first responders, and other public service professionals in achieving affordable homeownership. This program offers competitive mortgage rates and financial assistance to honor the dedication of those serving Texas communities.

Benefits

  • Offers 30-year fixed-rate mortgages with competitive interest rates, ensuring stable and predictable monthly payments.
  • Provides up to 5% of the loan amount as down payment and closing cost assistance, reducing upfront expenses for buyers.
  • Available exclusively to eligible professions, including teachers, firefighters, law enforcement officers, EMS personnel, and military service members.
  • Can be combined with the Texas Mortgage Credit Certificate (MCC) Program for additional tax benefits.
  • Encourages long-term housing stability and equity building for Texas community heroes.

Eligibility Requirements

  • Applicants must work in an eligible profession such as teaching, emergency services, or military service.
  • Income limits apply and vary based on household size and the location of the property within Texas.
  • The property must be located in Texas and used as the buyer’s primary residence.
  • A minimum credit score of 620 is required, with lender-specific underwriting criteria also applicable.
  • Participants must complete a TDHCA-approved homebuyer education course to prepare for the responsibilities of homeownership.

Additional Information

The Homes for Texas Heroes Program is an essential resource for those who serve their communities and seek affordable housing options. By providing favorable mortgage terms and financial assistance, the program empowers eligible heroes to achieve stable housing and invest in their futures. Administered by the Texas Department of Housing and Community Affairs, this initiative strengthens communities and supports sustainable homeownership across the state.

Frequently Asked Questions About Our Program

What is the Homes for Texas Heroes Program?

The Homes for Texas Heroes Program offers affordable mortgage loans and down payment assistance to Texas educators, first responders, and other public service professionals to make homeownership more accessible.

Who qualifies for the Homes for Texas Heroes Program?

Eligible applicants include teachers, police officers, firefighters, emergency medical personnel, corrections officers, and veterans working in Texas. Applicants must meet income and home purchase price limits.

What benefits does the program provide?

The program offers low-interest 30-year fixed-rate mortgages and up to 5% of the loan amount in down payment and closing cost assistance.

Do I need to be a first-time homebuyer to qualify?

No, first-time homebuyer status is not required, making the program available to both first-time and repeat buyers as long as the home is a primary residence.

How much down payment assistance can I receive?

The program provides up to 5% of the loan amount as assistance, which can be used for both the down payment and closing costs.

What is the minimum credit score required for this program?

Applicants generally need a minimum credit score of 620 to qualify. Higher scores may improve eligibility and provide better loan terms.

Are there income limits for the Homes for Texas Heroes Program?

Yes, income limits vary by county and household size to ensure the program supports low-to-moderate-income households.

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What types of homes are eligible under this program?

Eligible properties include single-family homes, townhouses, and condominiums. Manufactured homes may also qualify if they are permanently affixed to a foundation and meet program requirements.

What is the maximum purchase price allowed?

As of 2025, the maximum purchase price varies by location but generally ranges from $350,000 to $550,000, depending on the program’s guidelines.

Does the down payment assistance need to be repaid?

The assistance is provided as a second lien loan with no interest and deferred payments. Repayment is only required if the home is sold, refinanced, or no longer used as the buyer’s primary residence.

Is homebuyer education required for this program?

Yes, all participants must complete a homebuyer education course to ensure they are prepared for the responsibilities of homeownership.

Can the program help with closing costs?

Yes, the down payment assistance can also be applied toward eligible closing costs, reducing the upfront expenses for buyers.

Are there location restrictions for the property?

Yes, the property must be located in Texas and meet the program’s eligibility criteria for type and price limits.

Can the program be used for newly constructed homes?

Yes, newly constructed homes are eligible, provided they meet the program’s purchase price and other requirements.

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Are there debt-to-income (DTI) ratio requirements?

The maximum allowable DTI ratio is typically 45%, though exceptions may be made for applicants with strong financial profiles or compensating factors.

Can this program be combined with other assistance programs?

Yes, the Homes for Texas Heroes Program can often be combined with other state or local assistance programs to maximize benefits.

What are the benefits of this program for public service professionals?

The program reduces financial barriers to homeownership by offering affordable mortgage rates, assistance with upfront costs, and access to resources like homebuyer education.

Can this program be used with FHA, VA, or USDA loans?

Yes, the program can be paired with FHA, VA, USDA, and conventional loans, provided all eligibility requirements are met.

What is the process for applying to the Homes for Texas Heroes Program?

Applicants must work with an approved lender who will determine eligibility, guide them through the application process, and assist with securing both the loan and any available assistance.

Is there a fee to participate in the Homes for Texas Heroes Program?

Yes, a one-time program fee may apply, which is typically included in the closing costs. The lender can provide specific details during the application process.

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