Homes for Texas Heroes Program Checklist

A step-by-step checklist for eligible professionals applying for the Homes for Texas Heroes Program in 2025.

Verify Your Eligibility

Confirm that you are an eligible professional, such as a law enforcement officer, firefighter, EMT, teacher, healthcare worker, or active military service member.
Ensure that your household income meets the program’s limits, which vary based on county and household size.
Verify that your credit score meets the program’s minimum requirement, typically 640 or higher. Your assigned Loan Officer can provide additional details.
Check that the home you plan to purchase falls within the program’s price limits and will be used as your primary residence.
Determine if you qualify for additional benefits, such as reduced mortgage rates or down payment assistance.

Obtain proof of employment, such as a recent pay stub, a verification letter from your employer, or professional certification.
Gather proof of income, including W-2 forms, pay stubs, or documentation for any additional sources of income.
Provide copies of your tax returns from the past two years, including all necessary schedules.
Obtain bank statements from the last two to three months for all financial accounts.
Collect details about the home, including the address, purchase agreement, and sale price.
Prepare any additional documents requested by your Loan Officer, such as verification of assets, debts, or financial obligations.

A Loan Officer has been assigned to guide you through the Homes for Texas Heroes Program application process.
Schedule an initial consultation with your Loan Officer to review eligibility requirements and understand the necessary steps to complete your application.
Ask any questions regarding the program, required documentation, or application process to ensure clarity.
Follow your Loan Officer’s guidance to collect and submit all required documentation in a timely manner.

Work closely with your Loan Officer to finalize your application for the Homes for Texas Heroes Program.
Submit all required documentation to verify eligibility for down payment and closing cost assistance.
Review your application with your Loan Officer to ensure accuracy and completeness before submission.
Complete a homebuyer education course if required by the program.

Sign all necessary documents provided by your Loan Officer to complete your participation in the program.
Prepare for any additional costs that may not be covered by the assistance, such as closing fees or prepaid expenses.
Receive confirmation of your enrollment and details on how the program benefits will be applied to your home purchase.

Ensure that your purchased home remains your primary residence for the duration required by the program.
Notify your Loan Officer if you plan to sell, refinance, or make changes to your mortgage, as these actions may impact your program benefits.
Stay informed about any updates or changes to program requirements to maintain compliance and retain your benefits.