Home Sweet Texas

The Texas State Affordable Housing Corporation (TSAHC), helps Texans buy a home for themselves and their families. The Home Sweet Texas Home Loan Program offers home loans and down payment assistance to low and moderate-income families.


  • Fixed Rate Loans
  • Up to 5% Assistance to help cover down payment and/or closing costs
  • You can choose to receive the down payment assistance as a grant (which does not have to be repaid) or a deferred forgivable second lien loan (which only has to be repaid if you sell or refinance within three years).
  • Low fees
  • No First Time Buyer Requirement
  • For First Time Buyers, can be combined with Mortgage Credit Certificate (MCC).


  • Credit scores as low as 620
  • Income limits vary by county
  • No max DTI w/AUS approval
  • FHA manual underwrites allowed up to 43% DTI with no additional fee (640 minimum FICO score required)

Fill out the form below to be contacted by a participating lender:

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