Receive up to 5% of your home's purchase price with the Texas down payment assistance program that more Texans qualify for than any other.
Verify Your Home Sweet Texas Eligibility
The Home Sweet Texas Home Loan Program, offered by the Texas State Affordable Housing Corporation (TSAHC), is designed to assist low and moderate-income families in achieving homeownership.
Home Sweet Texas provides home loans and down payment assistance to help Texans purchase a home for themselves and their families.
With low fees and no first-time homebuyer requirement, this program has helped more Texans than any other buy a home.
Home Sweet Texas Home Loan Program Eligibility Calculator - Use the calculator to estimate your potential down payment assistance and eligibility for the Home Sweet Texas Home Loan Program. Get up to 5% assistance for Texas homebuyers.
The Home Sweet Texas Program offers substantial down payment assistance, up to 5% of your home’s purchase price.
For example, if you’re buying a home priced at $250,000, you could receive up to $12,500 in assistance. If your home costs $300,000, the program could provide as much as $15,000 to help cover your down payment and closing costs.
This financial support can be received as either a grant, which you don’t have to repay, or a deferred forgivable loan, which is completely forgiven if you stay in your home and make timely mortgage payments for the first three years.
This flexibility allows you to choose the option that best suits your long-term financial goals while significantly reducing your upfront costs.
The Home Sweet Texas Home Loan Program offers a range of benefits beyond the 5% down payment assistance.
Up to 5% assistance for down payment and closing costs.
No requirement to be a first-time homebuyer.
Choose between a grant or a deferred forgivable loan.
Annual tax credit: 40% of mortgage interest, up to $2,000.
Available throughout Texas.
Low fees.
Minimum credit score of 620.
The income limits vary by county, but range between $70,000 and $100,000.
No maximum debt-to-income (DTI) ratio with AUS approval.
FHA manual underwrites allowed up to 43% DTI (requires 640 minimum FICO score).
Available statewide for Texas residents only.
The Home Sweet Texas Home Loan Program provides attractive loan terms to help low and moderate-income Texans achieve homeownership. Below are the key loan terms associated with this program.
The Home Sweet Texas loan is a fully forgivable loan. As long as you make your mortgage payments on time and maintain the home as your primary residence for the first three years, the loan is completely forgiven, meaning you do not have to repay the assistance provided.
You may qualify for down payment and closing cost assistance equal to up to 5% of your home’s purchase price. This financial support can make a significant difference in reducing the upfront costs associated with buying a home.
There is no minimum borrower contribution required for this program. This allows you to access the down payment assistance without needing to contribute any of your own savings, making homeownership more accessible.
There is no specific limit on the purchase price of the home you can buy under this program. However, the amount you can borrow—and therefore the value of the home you can purchase—is influenced by your income and the program’s income limits.
The program is designed for low to moderate-income families, with income limits ranging between $71,280 and $97,840, depending on the location of the home. These limits help ensure the program benefits those who need assistance the most.
We understand that buying a home is one of the most significant decisions you'll ever make. That's why we're committed to being a partner you can trust every step of the way.
Our team is made up of dedicated professionals with deep roots in the Texas community, bringing you unmatched local expertise and insights that you won't find anywhere else.
We pride ourselves on our transparent and straightforward approach, ensuring that you have all the information you need to make informed decisions with confidence.
Our focus is on building lasting relationships, not just transactions, so you can count on us to be there for you long after you've settled into your new home.
Choosing us means choosing a partner who genuinely cares about your future, offering personalized guidance tailored to your unique needs and goals.
We’re here to make the home buying process as smooth and stress-free as possible, because your peace of mind is our top priority.
