TSAHC Home Sweet Texas
Assistance of 3%–5% of the loan amount, as a grant or deferred second mortgage. Open to any occupation.
- Income up to 150% of area median family income (AMFI)
- Generally 620+ credit
- Homebuyer education
Texas down payment assistance
Earn $80k–$200k? You may still qualify for down payment help in Texas.
TSAHC programs use income limits up to 150%–170% of area median family income, so many Houston, Dallas, Fort Worth and Austin households may still qualify.
Check my eligibilityTSAHC Homes for Texas Heroes
Assistance of 3%–5% of the loan amount for teachers, nurses, police, firefighters, EMS, corrections officers and veterans.
- Eligible hero occupation
- Income up to 170% AMFI
- Generally 620+ credit
TDHCA My First Texas Home
Down payment and closing-cost assistance may be available for first-time buyers through participating lenders.
- First-time homebuyer
- Generally 620+ credit
- Local income and purchase-price limits
Seed TSAHC income limits by metro
| Metro | Homes for Texas Heroes / Home Sweet Texas |
|---|---|
| Austin area | $228,480 / $201,600 |
| Dallas area | $205,870 / $181,650 |
| Fort Worth area | $187,510 / $165,450 |
| Houston area | $176,800 / $156,000 |
| San Antonio area | We confirm locally / We confirm locally |
| Other Texas | We confirm locally / We confirm locally |
As of October 1, 2026. Limits change — we verify before you apply.
Who qualifies
- First-time homebuyer — no home owned in the last 3 years (veterans may be exempt)
- Steady employment — most lenders look for a 2-year work history
- Credit score in the program's range
- Household income under the local limit
Texas down payment assistance FAQ
Can I earn over $150k and still get help in Texas?
Possibly. In the Austin and Dallas areas the seeded Homes for Texas Heroes limits are above $200,000. We verify current limits before you apply.
What's the difference between Home Sweet Texas and Homes for Texas Heroes?
Home Sweet Texas is open to any occupation. Homes for Texas Heroes is for eligible hero occupations and generally allows a higher income limit.
Is the assistance a grant or a loan?
TSAHC assistance may be structured as a grant or a deferred second mortgage. We explain each option before you choose.
Do I have to be a first-time buyer?
TDHCA My First Texas Home requires it. Some TSAHC options may not. We check your situation program by program.
Is Lumos a lender?
No. Lumos Mortgage Group is a licensed mortgage broker. We compare participating lenders and programs to find a fit.
See which programs fit you in 45 seconds
Our free checker compares your answers with current program rules.
Check my eligibilityLumos Mortgage Group is a licensed mortgage broker (NMLS #2598846), not a lender and not a government agency. Program availability, funding, income and purchase-price limits are set by Florida Housing Finance Corporation, TSAHC and TDHCA and change frequently. Results are estimates only and not an approval or commitment to lend. All loans subject to lender credit approval. Equal Housing Opportunity.
