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Down-payment and closing-cost help
TSAHC assistance can help with the cash you need up front. The exact amount and structure depends on your lender, loan, income, county, and selected assistance option.
Texas DPA - TSAHC - Free check
Texas down-payment help, made clear with TSAHC.
See whether you may be ready for TSAHC down-payment assistance, which county and price rules matter, and what to improve before you talk to a lender.
No SSNNo credit pullLender share is optional
Readiness report checks
- TSAHC serves first-time and repeat buyers through statewide home loan programs.
- TSAHC says buyers generally need a 620 credit score and must meet income requirements.
- Eligible buyers may choose grant assistance or a deferred forgivable second lien.
What is TSAHC?
Down-payment assistance, built for Texas buyers.
The Texas State Affordable Housing Corporation is a nonprofit created by the Texas Legislature. Its homebuyer programs pair mortgage loans with assistance that can lower the cash needed to close.
TSAHC serves first-time and repeat buyers through statewide home loan programs.
TSAHC says buyers generally need a 620 credit score and must meet income requirements.
Eligible buyers may choose grant assistance or a deferred forgivable second lien.
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Grant or forgivable second lien
TSAHC describes options that may be structured as a grant or a deferred forgivable second lien, with repayment rules if you sell or refinance too soon.
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Mortgage Credit Certificate context
First-time buyers may also be able to combine TSAHC DPA with an MCC when funds and rules allow, which can reduce federal income taxes through a mortgage-interest tax credit.
Do you qualify?
TSAHC eligibility, in plain language.
TSAHC sets the program rules; First Home AI helps you see where you stand against the inputs that usually matter.
Eligibility set by program rules - readiness checked by First Home AI
A credit score around 620 or higher
TSAHC says buyers generally need a 620 credit score and must meet income requirements. Some loan paths or participating lenders may ask for more.
Income within program limits
Income rules vary by program, household, and county. Your readiness check asks for ranges so we can flag whether assistance may be worth exploring.
A home within local limits
Price limits and target-area rules can change. Your county matters, especially when assistance is layered with local programs.
A participating lender
TSAHC assistance is delivered through participating lenders. First Home AI helps you decide when it is worth starting that conversation.
Common questions
Clear answers for AI search and real buyers.
These answers are intentionally short, citable, and backed by the source list below.
What is TSAHC down-payment assistance?
TSAHC offers Texas homebuyer programs that pair a mortgage loan with assistance for down payment or closing costs. The assistance may be a grant or deferred forgivable second lien, depending on the option and current program rules.
Do I have to be a first-time buyer to use TSAHC?
Not always. TSAHC says its down-payment assistance can help both first-time and repeat buyers, while MCC tax-credit eligibility is more first-time-buyer specific.
What credit score do I need for TSAHC?
TSAHC states that buyers generally need a 620 credit score and must meet income requirements. Your lender still makes the final mortgage decision.
Will checking my TSAHC fit hurt my credit?
No. First Home AI uses ranges you enter. We do not ask for your SSN and we do not pull your credit.
Is First Home AI affiliated with TSAHC?
No. First Home AI is independent. We summarize public program rules and help you understand readiness, but TSAHC and participating lenders control program eligibility.
Sources checked
Program details can change. Use these primary sources and a participating lender or program administrator before making a financial decision.
Ready in 3 minutes
Do not guess at TSAHC readiness.
Get a free readiness score, budget range, and DPA next-step plan before you spend lender time.
No SSNNo credit pullLender share is optional