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"Homes for Heroes" Home Loan Program

First Time Home Buyer Programs Available to TDCJ Employees

The Texas State Affordable Housing Corporation offers two types of assistance to employees of the Texas Department of Criminal Justice who receive hazardous duty pay. Please read below for more information on our Home Loan and Mortgage Credit Certificate (MCC) Programs. Please note that assistance is subject to funding availability and that both types of assistance cannot be used together.

The Homes for Texas Heroes Home Loan Program provides a 30-year fixed rate mortgage loan to eligible first-time homebuyers wishing to achieve the American dream of homeownership. In addition to a low interest rate, these programs offer down payment and closing cost assistance in the form of a grant.

With an MCC, the qualified homebuyer is eligible to take a portion of the annual interest paid on the mortgage as a tax credit, up to $2,000, each year they occupy the home as their principal residence.  The amount of the tax credit is equal to the mortgage credit rate of 35% multiplied by the annual interest paid.  The MCC has the potential of saving the MCC holder thousands of dollars over the life of the loan.

These programs are available through a network of participating lenders across the state.  Additional information can be obtained on the TSAHC website or by calling (877) 508-4611.

Page updated: 09/08/2021