Texas Home Loan Education
Learn About Texas Home Loans And Down Payment Assistance.
Texas-specific guides to TSAHC, TDHCA, MCC, and every Texas home loan program. Built by Texas mortgage pros, verified against primary sources, and updated every quarter.
Featured Guides
The three guides every Texas buyer should read before applying for DPA.
Texas Home Loans
How the four loan types stack up for Texas buyers, which ones pair with DPA, and how to pick the right fit for your county and credit profile.
Tyler.sdpa
TSAHC vs TDHCA: Which Texas DPA Program Is Right For You?
Side-by-side comparison of Texas's two state DPA agencies — eligibility, grant amounts, repayment rules, and which one actually fits your situation.
Tyler.sdpa
Texas Down Payment Assistance: The Complete 2026 Guide
Every state-level Texas DPA program in one place — TSAHC, TDHCA, MCC. Who qualifies, how much you get, what to watch out for.
Tyler.sdpa
Tools
Plug in your situation. Get a clear picture of what may fit before you ever talk to a lender.
Affordability Calculator
Plug in your income, county, and credit profile. See how much home you may be able to afford across all four loan types.
DPA Eligibility Quiz
A 60-second quiz that walks you through the same questions a Texas-licensed mortgage professional would ask.
TSAHC + TDHCA Income Limits
County-by-county AMI lookup — verify your household income against the program thresholds before you apply.
MCC Tax Credit Guide
How the Mortgage Credit Certificate works, how much you can claim, and the federal tax-liability ceiling that limits the benefit.
Latest Articles
All Texas DPA + home loan content. Use the topic filter above to narrow the list.
San Antonio Down Payment Assistance: 2026 Programs, Income Limits & How to Qualify
Bexar County DPA programs explained — TSAHC, TDHCA, AMI thresholds, and how military families layer in VA loans.
Tyler.sdpa
Dallas Down Payment Assistance: Programs, Income Limits & How to Qualify
TSAHC + TDHCA program coverage for Dallas County buyers, plus what works in Collin, Denton, and Tarrant.
Tyler.sdpa
Houston Down Payment Assistance
TSAHC, TDHCA, and Houston-area program guide for Harris County buyers — income limits, eligible neighborhoods, and what fits.
Tyler.sdpa
Texas Police Home Loans: TSAHC Heroes DPA Guide for Officers (2026)
Texas police officers may qualify for TSAHC Homes for Texas Heroes — grant up to 5%, no FTHB requirement for DPA, paired with FHA / Conventional / VA / USDA.
Tyler.sdpa
Texas Teacher Home Loans: Down Payment Assistance for Texas Educators
Texas teachers qualify for TSAHC Homes for Texas Heroes — grant up to 5%, no FTHB requirement, paired with FHA / Conventional / VA / USDA.
Tyler.sdpa
Texas Heroes Home Loans
Teachers, police, firefighters, EMS, corrections officers — TSAHC's Homes for Texas Heroes is built specifically for you.
Tyler.sdpa
USDA Loans in Texas
USDA Rural Development loans cover surprising parts of Texas — including suburbs of Austin, San Antonio, and DFW. Here's the eligibility map.
Tyler.sdpa
VA Loans in Texas
Texas veterans can buy with zero down, no monthly mortgage insurance, and a waived funding fee for 10%+ disabled vets. Plus how DPA can layer on top.
Tyler.sdpa
FHA Loans in Texas
The most-used loan type for first-time buyers in Texas. Here's the FHA limit by county, MIP math, and how it pairs with TSAHC.
Tyler.sdpa
Conventional Loans in Texas
How Conventional 97 and HomeReady programs let Texas buyers put as little as 3% down — and which DPA programs pair cleanly.
Tyler.sdpa
TDHCA Programs Texas: My First Texas Home, MCTH & MCC Guide
TDHCA is Texas's state housing department. Its DPA programs work differently from TSAHC — here's how to tell which fits.
Tyler.sdpa
TSAHC Programs Texas: Home Sweet Texas, Heroes & MCC Guide
The Texas State Affordable Housing Corporation runs three of the most-used Texas DPA programs. Here's what each one covers.
Tyler.sdpa