Earning Six Figures in Texas? You Might Still Qualify for Down Payment Assistance!

Think you earn too much to get help buying a home in Texas? Think again. In this episode, we break down the massive July 2026 updates from the Texas State Affordable Housing Corporation (TSAHC) that are changing the game for moderate-to-high-income buyers across the Lone Star State.We dive deep into how the state has significantly raised income limits—up to 150% of the Area Median Family Income (AMFI) for the Home Sweet Texas program, and a whopping 170% AMFI for the Homes for Texas Heroes program. This means qualifying public service households in major metro areas like Houston can now earn more and still qualify for assistance!In this episode, we cover:The 2026 Income Limit Boost: Exactly how much you can earn by county to qualify for assistance.Who is a "Texas Hero"?: The precise professional definitions for K-12 educators, school staff, veterans, active-duty military, first responders, and healthcare professionals.Grants vs. Forgivable Liens: How the 2% to 5% down payment assistance is structured, and the critical repayment rules behind the 3-year forgivable second lien.The Upfront Cash vs. Interest Rate Trade-off: Why accepting maximum assistance isn't always the cheapest option over the life of your mortgage.Can You Stack Benefits?: The rules and income restrictions you need to know if you want to combine your down payment assistance with a Mortgage Credit Certificate (MCC) for annual federal tax credits.Whether you’re a first-time homebuyer trying to conquer upfront costs or a repeat buyer looking to preserve your cash reserves, this episode is your blueprint to navigating the 2026 Texas housing market.Created by Adriana Perez, REALTOR®, Texas real estate sales agent, License No. 829146, sponsored by Surge Realty. 409.927.0881This podcast is for general educational and informational purposes only and is not legal, tax, financial, lending, insurance, inspection, engineering, investment, or other professional advice. Real estate laws, market conditions, programs, rates, property information, and eligibility requirements may change and vary by person, property, and location.Listeners should independently verify all information and consult the appropriate licensed professionals before making real estate or financial decisions. Listening to this podcast does not create a broker-client, agent-client, fiduciary, or other professional relationship.Some voices or conversational elements may be AI-generated from content researched and curated by Adriana Perez. Equal Housing Opportunity.