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Home loans for police officers in Texas

Quick answer

Police officers in Texas can use Homes for Texas Heroes from Texas State Affordable Housing Corporation, which offers Down payment and closing cost assistance up to 5% of the loan amount. You can combine it with standard FHA, conventional or VA financing; eligibility, income limits and funding are set by the agency.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast verified

What is Homes for Texas Heroes?

Fixed-rate mortgages with down payment assistance for eligible educators, police officers, firefighters, EMS personnel, corrections officers and veterans — first-time and repeat buyers. Assistance is a grant or a second lien forgiven after three years.

Official page (verified October 23, 2026): Texas State Affordable Housing Corporation

Frequently asked questions

Down payment and closing cost assistance up to 5% of the loan amount. Fixed-rate mortgages with down payment assistance for eligible educators, police officers, firefighters, EMS personnel, corrections officers and veterans — first-time and repeat buyers. Assistance is a grant or a second lien forgiven after three years.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.