Texas · Grant

TSAHC Home Sweet Texas

3-5% grant — free money, no repayment ever

3-5% of loan amount as a TRUE GRANT — never has to be repaid. For low-to-moderate income buyers.

TSAHC's Home Sweet Texas provides 3-5% of the loan amount as a true grant for qualifying buyers. The grant never needs to be repaid — it's free money applied at closing. TSAHC's grant is among the most generous in the country, as most states offer deferred loans rather than outright grants.

Amount3-5% grant — free money, no repayment ever

TypeGrant

Available inTexas

First-time buyer requiredYes

Minimum credit score620

Multi-unit eligibleYes — 1-4 units

House-hack eligible

Grant can be used with FHA on multi-unit properties.

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down

Federal · Subsidized loan

VA Loan $0 down + no monthly mortgage insurance

Federal · Federal benefit

NACA Program $0 down + $0 closing + $0 PMI + below-market rate

National · Nonprofit program

TDHCA My First Texas Home Up to 5% of loan amount

Texas · DPA + below-market rate

TDHCA My Choice Texas Home Up to 5% of loan amount — repeat buyers welcome

Texas · DPA program

TSAHC Homes for Texas Heroes 3-5% grant + free MCC ($2K/year tax credit)

All Texas programs →

Get your free stacking strategy

We'll show you how to combine TSAHC Home Sweet Texas with other programs to maximize your free money — personalized to your ZIP code and income.

Or get matched with a lender who knows this program →

All Texas programs →