What is the difference between TDHCA and TSAHC down payment assistance?
Written by the Warens Financial Group education team · Reviewed by Franklin Warens, Mortgage Broker, NMLS #1249423
TDHCA and TSAHC are separate Texas agencies that offer similar help. Both can provide down payment assistance up to about 5% of your loan amount, as a deferred second lien that is either forgivable (generally after 3 years) or repayable at sale, refinance, or payoff, with a credit score minimum around 620. TSAHC also runs a Homes for Texas Heroes track for teachers, firefighters, and veterans.
TDHCA (the Texas Department of Housing and Community Affairs) runs My First Texas Home for first-time buyers and My Choice Texas Home, which can be open to repeat buyers. TSAHC (the Texas State Affordable Housing Corporation) runs Home Sweet Texas and Homes for Texas Heroes, and also offers a grant option. Both pair the assistance with a 30-year fixed-rate first mortgage, and both carry income and purchase-price limits plus a required homebuyer education course. Program details and availability change, so confirm current terms with the agency and a licensed lender.
This answer is part of our guide Down Payment Assistance Programs Houston Buyers Can Use.
Keep reading
- Full guide: down payment assistance programs Houston buyers can use
- FHA loans at Warens Financial Group
More questions
- How much is the City of Houston Homebuyer Assistance Program worth?
- Can I combine down payment assistance with an FHA loan in Houston?
- Are there income limits for Texas down payment assistance programs?
- Is down payment assistance free money I never have to pay back?
- Do I need a homebuyer education course to get down payment assistance in Texas?
- Do I have to be a first-time buyer to get down payment assistance in Houston?
Educational content only; not financial, legal, or tax advice, a commitment to lend, or an offer of credit. Program requirements vary by lender and change over time; eligibility depends on your full financial profile. Warens Financial Group, NMLS #2532048. Franklin Warens, Mortgage Broker, NMLS #1249423. Equal Housing Opportunity.
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