Homes for Texas Heroes takes applications all year: up to 5% of the loan amount, paid toward your down payment and closing.(800) 555-0100Run the 2-minute check
Start my check

Homes for Texas Heroes

Home loans for Texas veterans and service members

Eligible veterans, Texas-based active duty, Texas National Guard and long-serving reservists can get up to 5% of the loan for down payment and closing costs.

Who's covered

You may qualify if you are:

  • On active duty assigned to a Texas base with Texas as your home of record
  • A veteran with 90+ days of active duty who was not dishonorably discharged
  • Someone with 20+ years of active or reserve service
  • A Texas National Guard member who completed initial training
  • A Vietnam-era veteran (Feb 28, 1961 to May 7, 1975)

Texas residency rules apply, and certain unmarried surviving spouses may qualify. Service is verified with your DD214 or discharge papers.

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.

Veterans and the tax credit

The Mortgage Credit Certificate is normally for first-time buyers, but TSAHC waives that rule for qualified veterans. That means you may be able to add the 15% mortgage interest tax credit even if you've owned before.

Pairing with a VA loan

TSAHC lists government and conventional loans. Ask your lender whether it offers a VA loan with the Heroes help.

Papers to have on hand

  • DD214 or discharge papers
  • For active duty or Guard, current service documents your lender requests
  • Income and asset documents your lender requests
  • Homebuyer education certificate before closing

Readers also ask

Do I need to be a Texas resident?

Texas residency rules apply. Active-duty members need Texas as their home of record and assignment to a Texas base. Your lender confirms how the rule applies to you.

Can a surviving spouse use the program?

Certain unmarried surviving spouses may qualify. A participating lender can check your situation.

Can I add the tax credit if I've owned a home before?

Possibly. The MCC's first-time buyer rule is waived for qualified veterans. It must be paired with TSAHC down payment help, subject to bond funding.

Other jobs on the list