Texas · NMLS# 667008
Homes for Texas Heroes and Home Sweet Texas pair a fixed-rate mortgage with down payment help of up to 5% of the loan amount. First-time and repeat buyers can qualify.
Not ready to apply yet? Get Prequalified · Call (520) 495-8989
Prequalification is not a commitment to lend or a guarantee of approval. Terms subject to credit approval and underwriting.
Programs
For eligible educators, peace officers, fire fighters, EMS personnel, corrections officers, county jailers, public security officers, nursing and allied health faculty, and veterans. First-time and repeat buyers. Heroes who use TSAHC's DPA and MCC together get the MCC free, a $400 savings per TSAHC.
Official program pageFor low and moderate income households, with no profession requirement. First-time and repeat buyers. TSAHC also offers a No DPA option with program pricing and no assistance.
Official program page| Assistance | Up to 5% of the loan amount for down payment and closing costs. Choose a grant that never has to be repaid, or a forgivable second lien loan forgiven after three years if you do not sell, refinance, or move out. |
|---|---|
| Mortgage Credit Certificate | Pair TSAHC down payment assistance with their MCC: a federal tax credit of 15% of the mortgage interest you pay each year. For first-time buyers, qualified veterans, and homes in targeted areas. TSAHC no longer offers a stand-alone MCC. Program rules and eligibility apply. |
| Credit score | Minimum 620 for government loans and 640 for conventional. |
| Income and price limits | Vary by county and household size. Expanded limits in targeted areas. |
| Homes | Single-family, condos, townhomes, and eligible manufactured homes. Must be your primary residence. |
| Education | An approved homebuyer education course is required. |
| Lender | You apply through a TSAHC approved lender. Neighborhood Loans, Inc. appears on TSAHC's approved mortgage companies list for DPA and MCC. |
Sources: Homes for Texas Heroes, Home Sweet Texas, TSAHC Homebuyer Programs, TSAHC MCC page. Checked October 16, 2026.
Want to estimate the 15% MCC? Use the MCC calculator and tap the TSAHC preset. TSAHC also publishes a plain-English recapture tax explainer.
Quick check
TSAHC income and price limits depend on your county and household size, so this is a guided check. It points you to the right program, then I confirm the limits for your county.
FAQ
TSAHC lists full-time public K-12 educators and school staff such as teacher aides, librarians, counselors, and nurses, plus peace officers, fire fighters, EMS personnel, corrections and juvenile corrections officers, county jailers, public security officers, nursing and allied health faculty, and veterans. Exact definitions are on TSAHC's site.
Not for the down payment assistance. Both programs serve first-time and repeat buyers. TSAHC's MCC is for first-time buyers, qualified veterans, and homes in targeted areas.
You can choose a grant that never has to be repaid, or a forgivable second lien loan that is forgiven after three years if you do not sell, refinance, or move out during that time. Rates differ by option.
Yes. TSAHC publishes Daily Interest Rates with an effective date. I link to that page instead of copying the numbers, so you always see the current chart.
No. TSAHC's MCC credit rate is 15%, and you can pair TSAHC down payment assistance with their MCC. TSAHC no longer offers a stand-alone MCC. Program rules and eligibility apply.
I will check the income and price limits for your county and compare the grant and forgivable options with you.
Program availability, terms, interest rates, income and purchase price limits, and assistance amounts are set by each program administrator and can change or end at any time without notice. Assistance funds may be limited. The information on this page was checked against the official program sources linked above on October 16, 2026. It is general education only. Always confirm current guidelines with me before you make decisions.
This is not a commitment to lend, a loan approval, or a rate lock. All loans are subject to credit approval, underwriting, property eligibility, and program guidelines. Not all applicants will qualify. Rates shown on official program pages are not offered by this website and may not be available to you.
The Pima-Tucson Homebuyer's Solution is offered by the Industrial Development Authorities of the County of Pima and the City of Tucson and administered by eHousingPlus. The Mortgage Credit Certificate program for Pima County is funded by the Pima County Industrial Development Authority and administered by Community Investment Corporation (CIC). Homes for Texas Heroes and Home Sweet Texas are programs of the Texas State Affordable Housing Corporation (TSAHC). These agencies do not endorse any lender. Andy Braun and Neighborhood Loans are not government agencies.
Andy Braun, Senior Loan Officer | Sales Manager, NMLS #667008, AZ LO-1006099. Neighborhood Loans, Inc. NMLS #222982, AZ BK 1004602. Licensed in Arizona, Texas, and California. Equal Housing Lender. Verify licensing at nmlsconsumeraccess.org.
Program rates change daily. I will send you today's rate for this program personally.
Not a commitment to lend or a rate lock. Rates depend on your credit, loan type, and program option.
