Homes for Texas Heroes
Home loans for Texas firefighters
Permanent, full-time Texas firefighters can get up to 5% of the loan for down payment and closing costs through TSAHC's Homes for Texas Heroes program.
Who's covered
Eligible firefighters are permanent, full-time fire department members working in suppression, inspection, investigation, training, education, administration or similar fire duties. Clerical and support staff are excluded.
Your certification is verified through the Texas Commission on Fire Protection (TCFP).
Homes for Texas Heroes is a year-round program from the Texas State Affordable Housing Corporation (TSAHC). It pairs a 30-year fixed-rate mortgage with up to 5% of the loan amount for down payment and closing costs, either as a grant you never repay or as a loan forgiven after 3 years. First-time buyers can also add a Mortgage Credit Certificate, a federal tax credit.
Shift schedules and income
Firefighter pay often includes shift differentials and overtime. Your lender decides what counts as qualifying income. For non-bond down payment help without an MCC, only your own qualifying income counts toward the Heroes limit.
Fire inspectors and investigators count too
You don't have to be on an engine. Full-time fire department members in inspection, investigation, training and education roles fit the definition.
Papers to have on hand
- TCFP certification
- Proof of permanent, full-time employment with your department
- Income and asset documents your lender requests
- Homebuyer education certificate before closing
Readers also ask
Do volunteer firefighters qualify?
TSAHC's definition covers permanent, full-time fire department members. A participating lender can tell you whether your position fits.
Does a fire department admin assistant qualify?
No. Clerical and support staff are excluded. Fire administration roles performed by sworn fire personnel are a different matter, so ask your lender.
How much help can I get?
Up to 5% of your loan amount, as a grant or as a second-lien loan forgiven after three years if you don't sell or refinance.
