Call or text 708-830-0591
DFW first-time buyers & Texas Heroes

Up to 5% down payment help for your first DFW home.

Texas offers down payment assistance through Home Sweet Texas and Homes for Texas Heroes. Answer four quick questions and I'll tell you which program may fit, then guide you from pre-approval to keys.

Home Sweet TexasHomes for Texas HeroesFrisco & all of DFW
Tammy T. Dotson

Hi, I'm Tammy T. Dotson, a Frisco REALTOR® with Dotson Realty Group, powered by Keller Williams. I connect buyers with a trusted lender.

Free 60-second check

See which program may fit you

Which best describes you?

No cost and no obligation. I'm a REALTOR®, not a lender.

The programs

Two Texas programs that can lower your upfront cost.

Both are run by the Texas State Affordable Housing Corporation (TSAHC) and offered through lenders. I help you find the right lender and the right home.

For Texas homebuyers

Home Sweet Texas

  • Down payment assistance of up to 5% of the loan amount
  • Paired with a 30-year fixed-rate mortgage
  • Can be combined with a Mortgage Credit Certificate for first-time buyers, which lowers federal income taxes each year

Who it's for: homebuyers who meet income, credit, and purchase price limits.

For Texas Heroes

Homes for Texas Heroes

  • The same down payment help, built for people who serve their communities
  • Can also be paired with a Mortgage Credit Certificate
  • Eligibility is based on your profession, income, and credit

Who it's for: eligible teachers, police, firefighters, EMS, corrections officers, nursing faculty, veterans, and other public servants.

Program terms, eligibility, income and credit limits are set by TSAHC and can change. Not every buyer will qualify.

DFW Heroes

Do you serve DFW? You may count as a Texas Hero.

Homes for Texas Heroes covers many careers. If you see yours below, take the 60-second check above.

Public school teachersSchool counselors & librariansPolice & sheriff's officersFirefightersEMS & paramedicsCorrections & juvenile officersNursing & allied health facultyVeterans
How it works

From first question to front door keys.

Take the quick check

Tell me about your job, timeline, and where you want to live.

Meet your lender

I connect you with a lender so you can get pre-approved.

Shop DFW homes

We tour homes in your price range and neighborhoods across Frisco and DFW.

Close and move in

I negotiate your offer and guide you through inspection, appraisal, and closing.

Tammy T. Dotson, REALTOR®
Your agent

Tammy T. Dotson, REALTOR®

I help first-time buyers and Texas Heroes across Frisco and Dallas–Fort Worth buy with confidence. You'll get plain answers, a lender, and someone in your corner from the first showing to closing day.

Start the 60-second check or call/text 708-830-0591
Questions

Common questions

Do I have to be a first-time buyer?

Not always. Home Sweet Texas and Homes for Texas Heroes focus on income, credit, and purchase price limits. The Mortgage Credit Certificate is for first-time buyers, meaning you haven't owned a home in the last three years, with some exceptions for veterans. I'll help you sort out what applies to you.

Is the down payment help a loan I have to repay?

TSAHC offers different assistance options, and the terms depend on the option you and your lender choose. Your lender will explain repayment terms before you commit.

Does it cost anything to work with you?

The quick check and our first conversation are free. In most purchases the buyer's agent is paid at closing, and we'll review a written buyer agreement together before we tour homes so you know exactly how it works.

Do you give the loan?

No. I'm a REALTOR®, not a lender. I connect you with a lender, and I handle your home search, offer, and negotiation.

Which areas do you cover?

Frisco and the Dallas–Fort Worth area, including Collin, Denton, Dallas, and Tarrant counties.