I'm Bond Peter Njoku (NMLS #2670329), and TSAHC Home Sweet Texas is one of the most powerful tools I use for DFW buyers who need help with their down payment. It provides a 3–5% grant — real money that doesn't have to be paid back, ever — and it's available to buyers who have owned homes before, not just first-timers. If you've been told you can't afford to buy because you don't have the down payment, this program may change that math completely.
What Is TSAHC Home Sweet Texas?
The Texas State Affordable Housing Corporation (TSAHC) runs a statewide down payment assistance program called Home Sweet Texas. It's designed for low-to-moderate income buyers across Texas, and it works by pairing a below-market mortgage rate with a grant that covers 3–5% of the loan amount toward your down payment and closing costs.
The grant is not a second lien, not a deferred loan, and not something you pay back when you sell or refinance. It simply reduces the amount of cash you need to bring to closing — permanently.
Key Program Details for 2026
| Feature | Details |
|---|---|
| Grant amount | 3–5% of the loan amount |
| Repayment | None — it's a true grant |
| First-time buyer required? | No |
| Compatible loan types | FHA, VA, USDA, Conventional |
| Min. credit score | 620 (most lenders including me) |
| Income limit (Dallas/Tarrant County) | ~$97,200 |
| Income limit (Collin/Denton County) | ~$119,700 |
| Property type | Single-family, condo, townhome (owner-occupied) |
TSAHC vs TDHCA — What's the Difference?
Both are Texas state programs, but they work differently:
| Factor | TSAHC Home Sweet TX | TDHCA My First TX Home |
|---|---|---|
| Amount | 3–5% grant | Up to 5% deferred loan |
| Repayment | None | Forgiven at year 3 |
| First-time buyer req. | No | Yes (or 3-yr non-owner) |
| Best for | Any eligible buyer | True first-time buyers |
In most cases, if you qualify for both, I run both scenarios and show you which produces the better outcome for your specific purchase.
Real Example — TSAHC on a Garland Home
Purchase price: $275,000 · FHA loan: $265,375 (3.5% down = $9,625) · TSAHC 5% grant: $13,269
The grant exceeds the down payment — the excess can be applied to closing costs. A Garland buyer with a 620 credit score and income under $97,200 could potentially close with $0 out of pocket on the down payment, with closing costs partially or fully covered.
This combination — FHA + TSAHC — is the most common loan structure I put together for first-time buyers in Garland, Mesquite, and Dallas.
How to Use TSAHC Home Sweet Texas Through Me
- Call or text me at 469-545-7180 — I'll check your income against the county limit
- I pull your credit and confirm you hit the 620 minimum
- We select your loan type (FHA is most common with TSAHC)
- TSAHC grant is embedded in the loan structure — no separate application
- Close normally — grant funds at closing
The process is the same as a regular mortgage from your perspective. The extra step happens on the lender side, not yours.
Frequently Asked Questions
What is the TSAHC Home Sweet Texas program?
TSAHC Home Sweet Texas is a down payment assistance grant run by the Texas State Affordable Housing Corporation. It provides 3–5% of your loan amount as a grant — no repayment, no lien, no first-time buyer requirement. It stacks with FHA, VA, USDA, and conventional loans. I'm Bond Peter Njoku (NMLS #2670329) and I originate TSAHC loans across DFW. Call or text 469-545-7180.
Do I have to repay the TSAHC grant?
No — TSAHC Home Sweet Texas is a true grant. It is not a loan, not a lien on your property, and does not have to be repaid if you sell or refinance. This is one of the key advantages over TDHCA's deferred loan structure. I'm Bond Peter Njoku (NMLS #2670329) — call or text 469-545-7180 to run your numbers.
What are the income limits for TSAHC in DFW?
For Dallas and Tarrant County in 2026, the TSAHC income limit is approximately $97,200. For Collin and Denton County it's approximately $119,700. These are borrower income limits — only the people on the loan are counted, not everyone in the household. I'm Bond Peter Njoku (NMLS #2670329) — call or text 469-545-7180 to check your county's current limit.
Can I use TSAHC if I've owned a home before?
Yes — unlike TDHCA's My First Texas Home program, TSAHC Home Sweet Texas has no first-time homebuyer requirement. If you meet the income and credit requirements, you can use it regardless of prior homeownership. I'm Bond Peter Njoku (NMLS #2670329) — call or text 469-545-7180 to confirm your eligibility.
Ready to use TSAHC for your DFW home purchase?
I'm Bond Peter Njoku (NMLS #2670329). I originate TSAHC Home Sweet Texas loans across DFW. Call or text 469-545-7180 — I'll check your income, credit, and program eligibility today.