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Loan plus assistance
TSAHC says eligible buyers receive a mortgage loan and funding that can be used toward the down payment. A lender helps decide which assistance option fits the file.
Texas DPA - TSAHC loans - no credit pull
TSAHC loans, translated before you apply.
See whether TSAHC loans and down-payment assistance may belong in your plan, which readiness gaps to fix first, and when to contact a participating lender.
No SSNNo credit pullLender share optional
Readiness report checks
- TSAHC says its homebuyer help can serve first-time and repeat buyers.
- TSAHC says buyers must have a 620 credit score and meet income requirements.
- Eligible buyers can choose assistance as a grant or deferred forgivable second lien.
What are TSAHC loans?
A TSAHC path pairs a mortgage with possible cash-to-close help.
The Texas State Affordable Housing Corporation is a nonprofit created by the Texas Legislature. Its homebuyer programs pair mortgage loans with assistance that may lower the cash needed for down payment or closing costs.
TSAHC says its homebuyer help can serve first-time and repeat buyers.
TSAHC says buyers must have a 620 credit score and meet income requirements.
Eligible buyers can choose assistance as a grant or 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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Lender and education steps
TSAHC directs eligible buyers to a participating lender for the application and says at least one borrower must complete approved homebuyer education before closing.
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 rulesReadiness checked byfirsthome.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 and county or area. We last checked this page against TSAHC's public limits PDF in September 2026, and your readiness check asks for ranges so we can flag whether assistance may be worth exploring.
Any purchase-price rule for your option
Some TSAHC options use purchase-price limits and target-area rules, while non-bond DPA used by itself may not. Confirm the current rule for your program, loan type, and property area.
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 are TSAHC loans?
TSAHC homebuyer programs pair a mortgage loan with possible down-payment assistance. TSAHC says the assistance can be used for a down payment and that eligible buyers work through a participating lender rather than applying directly to TSAHC.
How does TSAHC down-payment assistance work?
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.
Are TSAHC loans only for first-time buyers?
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.
How do TSAHC income and purchase-price limits work?
TSAHC rules vary by program, county or area, loan type, and the current limits chart. Some options have purchase-price limits, while TSAHC says non-bond DPA used by itself does not. Confirm the property area and program with a participating lender.
Is TSAHC worth it?
It can be worth checking if the assistance lowers your cash-to-close need without making the full payment uncomfortable. Compare the grant or deferred-lien option, rate, fees, repayment rules, income limits, lender guidance, and your backup plan before relying on TSAHC.
Can I use TSAHC with City of Austin down-payment assistance?
Possibly, but do not assume the programs can be layered. TSAHC, the City of Austin, your lender, and the property rules all matter, so confirm with official program staff or a participating lender before relying on combined assistance.
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.
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