Homes for Texas Heroes · Bell County
Buying your first home in Bell County, Texas
Bell County, seated in Belton with about 402,000 residents, has school, police and fire employers whose full-time staff can fit Homes for Texas Heroes, and qualifying veterans can use it too.
The local picture
Killeen, Temple, Harker Heights, Belton and part of Copperas Cove are the main local markets. Killeen ISD, Temple ISD and Belton ISD employ full-time teachers, aides, librarians, counselors and school nurses.
Killeen and Temple police officers and Bell County Sheriff's Office deputies qualify with a TCOLE license. Killeen Fire Department firefighters qualify through TCFP certification.
Veterans with 90+ days of active duty who weren't dishonorably discharged, Texas National Guard members who completed initial training, and active-duty members assigned to a Texas base with Texas as home of record may qualify too.
Income and price limits in Bell County
TSAHC hasn't published a Bell County figure we could verify, so a lender confirms the Heroes limit; TDHCA's statewide companion limits apply here at $101,500 (1-2) and $116,725 (3+), with a $566,354 price limit. Statewide limits · What can I afford?
Local money in Bell County
We found no program run just for Bell County right now. The statewide options still apply, and the full Texas list has them.
Buyer classes near Bell County
Budget a few hours for a buyer class before closing, because almost every program requires it. These HUD-approved agencies around Bell County teach the class or sit down with buyers one on one:
| Agency | Town | Miles away | Offers | Languages | How |
|---|---|---|---|---|---|
| Families In Crisis, Inc. | Killeen | 15 | Buyer class, One-on-one prep | English, Spanish | In person, By phone |
| Waco Community Development Corporation | Waco | 41 | Buyer class, One-on-one prep | English, Spanish | In person, By phone |
| Neighborhood Housing Services of Waco, Inc. | Waco | 41 | Buyer class, One-on-one prep | English, Spanish | In person, By phone |
Pulled from HUD's list of approved counseling agencies. A class that one program accepts may not count for another.
Local employers whose staff can qualify
- Killeen ISD
- Temple ISD
- Belton ISD
- Bell County Sheriff's Office
- Killeen Police Department
- Temple Police Department
- Killeen Fire Department
Killeen, Temple and Belton ISD staff, Killeen and Temple police, sheriff's deputies, Killeen firefighters and qualifying veterans and service members are the local fit. The full list of eligible jobs.
Questions from Bell County buyers
I'm active duty in Bell County but my home of record isn't Texas. Do I qualify?
Active-duty eligibility requires assignment to a Texas base with Texas as your home of record. If you're also a veteran with prior qualifying service, a lender can check that path.
Can a veteran who owned a home before get the tax credit?
The MCC's first-time rule is waived for qualified veterans. It's paired with TSAHC down payment help and depends on bond funding.
Can I use a VA loan?
TSAHC lists government and conventional loans. Ask your lender whether it offers VA financing with the Heroes help.
Nearby county guides: Harris County, Dallas County, Tarrant County, Bexar County, Travis County, Collin County, Denton County, Fort Bend County. See them all.
