Texas Home Buyer - Free Down Payment Assistance

Real Estate Agent with Ultra Real Estate Dallas Fort Worth


TSAHC, Texas State Affordable Housing Corporation, is a Texas non profit organization with a mission to serve the housing needs of low income Texans and other underserved populations.  It provides loan with down payment assistance from 3%, 4%, or 5%.  You don’t have to be a first time home buyer to qualify.


There are 2 types of assistance:

  1. Fixed Rate Loans with Down Payment Assistance (DPA)
  • Several rate, loan and DPA options available
  • DPA can be up to 5% of the total loan amount


  1. Mortgage Credit Certificates
  • A special tax credit that reduces your federal income taxes every year
  • For first-time buyers (those who have not owned a home in the last 3 years)
  • Can be used with TSAHC’s DPA


The  Down payment assistance (DPA) provided as a grant (never needs to be repaid) or forgivable second lien loan.


If you’d like to learn more give me a call at 469-371-2899.  As a TSAHC APPROVED real estate agent, I’d be happy to assist and discuss how this program can help you become a home owner.  I'm here for you!


My client's reviews and testimonials are available below and on LinkedIn




“Susie is very detail-oriented, customer-focused and proactive realtor. She is very responsive in her communication, a top quality that I think most realtors are lacking of. Her professionalism, hard work and diligence exceed far beyond what I could ask for. She is willing to go above and beyond to serve her clients’ needs. I really enjoy working with Susie and will definitely work with her again in the future, as well as referring her to anyone else in need of a world-class realtor." - Suhendra U




“We enjoyed working with you so much. You’re so reliable and efficient, but never pushy & always honest about the strengths and weaknesses of homes. We will definitely call you with our next real estate quest! Was a pleasure getting to know you!” - Melissa N


"I have used Susie to purchase two homes within the past three years. Additionally, she aided my daughter and son-in-law in finding their new home. By far, Susie is one of the finest Realtors I have ever had the pleasure of working with. She is extremely knowledgeable of the market and truly listens to the client to find exactly what they are looking for. I highly recommend Susie. I would definitely use her again, but don't think my wife would ever let me move again." - Mark G



"I wanted to say THANK YOU to Ms. Susie Kay. I never thought home buying process was so complicated. I meet Susie from Google, searching for lenders. I called Susie in November 2013 and she recommended me to one of her lenders (not going to mention any names). Susie was so friendly and always had a smile on her face. I know she normally works North, but the area I was looking in was south and she did not mind traveling. She showed me to a lot of homes and also did her research on others homes she felt I would be interested in. I finally found a home! Well, the process at first was going smoothly until the end of the process. This lender gave Susie and me the BLUES, by not responding to e-mail or calls. This is what makes Susie the BEST realtor around as she stood her grounds to ensure her client was taken care of. Honestly, I don’t know what I would have done without her as a lot of time the lender leaves the buyer off of communication. To make a long story short, the lender was unable to process my loan and referred me to another lender (middle of January 2014) and the seller agreed to wait while the new lender gets my file together. During this entire process, Susie was by my side. The other lender (not mentioning any names), was awesome but also had communication challenges and again Susie was great with daily updates and e-mails to the lender. By the end of January the Seller decided not to wait any further and I lost the house and the money I invested in the house. So a couple of days later, Susie and I were house searching again. She took me all over, areas I never seen before (Savannah, Providence Village) but the location did not work for me. Later that day, I received a text from Susie inquiring about a location of new house in Lancaster and I said yes. She said be there are 8:30 in the morning and bring your check book. I met Susie at the location and I LOVED the house. We had some bumps in the road but I AM A HOME OWNER. I closed 3/12/2014. THANK YOU SUSIE." - Kaneshia A


“Susie was knowledgeable, kind, and extremely patient as we learned the homebuying process! She showed a lot of experience that helped guide us in making our decisions. As unknowns came up, she was always ready to help us come up with a confident answer. We went through several months trying to find the right home and Susie helped us get our favorite!” - Brad N


"There are no words to express our gratitude to such an incredible professional. We met Susie online while still living in London. She was extremely helpful, professional and dedicated to her work. Once we arrived to Texas, thanks to Susie we found the perfect house and we are so happy we found her. I would recommend anyone thinking in buying a property to talk to Susie. You won't find such extraordinary Realtor in the market. Thank you Susie once again for your excellent work!" - Morella H


“I highly recommend doing business with Susie.

We enjoyed working with Susie, she came prepared, knowledgeable about the current rental market, professional, friendly and honest. Rented our home in less than one month. Definitely would do business with her again.” - Pat P


“I have had the pleasure of working with Susie for the last 2 years.  She introduced me to the Plano/Frisco area when I was looking for an apartment.  But, she never gave up on trying to convince me that home ownership was the most fiscally sound way to go.  I wouldn't listen... Then, I decided that my apartment rent was going up drastically and long story short, Susie stepped in and, despite my resistance, led me to my first dream home (I say first, because I know I will aspire for more).  Susie was the catalyst that I needed; she introduced me to a lifestyle that I could not only afford, but a place that I now call HOME.  I love coming home everynight. Susie, I owe you so much, truly.” - Moira M


“I highly recommend Susie, she helped my family and I bought our first home and sold it. She worked hard to make sure our house was sold in a timely manner. We got multiple offers within the first day. Throughout our house hunting journey she knew exactly what to show us based off of what we wanted, and was always understanding. You will not regret working with Susie, she has put my family and I in a happy home.” - Karina M



"Susie did a great job helping me to locate an acquire investment property in a very aggressive environment. She found the right property and then an excellent job to secure the property. " - Tom N


"Susie did a fabulous job finding my family the perfect home to rent while we settled into a new city. We like the home and the neighborhood so much we have been here for three years!" - Cole P



“Words can’t express how grateful we are to Susie, she was so very helpful to us. She gave us unrequested advice that put us in the right direction. She also made the home buying process easy and painless. We thank you so much for her persistence and patience with our home buying process.” - Tanece S   



“Susie-thank you so much for your help, service, assistance and effort in getting my rent house rented-it was much appreciated!” - Jack P



“Susie is a nice lady and will get you what you want. Thank you, Susie.” - Jose R



“Susie, you'll be the first person I recommend for real estate referrals!” - Shamresh K


“Thank you Susie for all your help. It was a pleasure having you as our realtor, we are very happy with our new home.” - Carlos G



“Susie did an outstanding job finding us the perfect 1st home. She is very responsive to our communication. She listens well to what we are looking for and we are so impressed by her diligent work. Her knowledge about the industry has helped us tremendously. As a first time home buyer, we have lots of questions in our mind and she is really patient and always available to help us. Our family highly recommend her and we are very thankful that we have her as our realtor.

Thank you again, Susie!”       - Yenni H



“Susie has assisted us finding the first and perfect home for our daughter. She listened to our need and helped us all the way through, started from planning, finding the right place, till the closing day; paying attention to every detail. We are truly pleased and highly recommend her to anyone who is searching for the right property.”           - Mr. Pouw




“Give Susie Kay a call if you are looking to buy a house in the DFW area. She helped my family and I find our new home and made everything incredible simple and straight forward.” - Nathan D





Comments (10)

Endre Barath, Jr.
Berkshire Hathaway HomeServices - Beverly Hills, CA
Realtor - Los Angeles Home Sales 310.486.1002

It is so sad that most people do not have the money for a down payment and are stuck in a vicious cycle ....Endre

Feb 16, 2021 10:29 PM
Brian England
Vacasa - Gilbert, AZ
MBA, GRI, REALTOR® Real Estate in East Valley AZ

I like that there are down payment assistance programs out there but I don't like that they are more like loan shark loans than traditional loans.  I don't like that the loans offered as assistance put those that take advantage of the assistance in a worse position than someone that doesn't need the assistance.

Feb 17, 2021 04:01 AM
Roy Kelley
Realty Group Referrals - Gaithersburg, MD

This is good information to share with prospective home buyers.

Take care, be safe and have a great day.

Feb 17, 2021 04:52 AM
Joan Cox
House to Home, Inc. - Denver Real Estate - 720-231-6373 - Denver, CO
Denver Real Estate - Selling One Home at a Time

Susie, great post, as with these extremely low interest rates, seeing more first time buyers, who really could benefit.

Feb 17, 2021 08:46 AM
Will Hamm
Hamm Homes - Aurora, CO
"Where There's a Will, There's a Way!"

Hello Susie and thank you for information that you have for buyers in your area.  Will prices going up, they need help.


Feb 17, 2021 09:56 AM
Susie Kay
Ultra Real Estate Dallas Fort Worth - Plano, TX
North Dallas Specialist

So true Endre Barath, Jr. and this program helps. 

Thank you for dropping by!

Feb 21, 2021 08:59 AM
Susie Kay
Ultra Real Estate Dallas Fort Worth - Plano, TX
North Dallas Specialist

Thank you Will Hamm for dropping by!  

Feb 21, 2021 08:59 AM
Susie Kay
Ultra Real Estate Dallas Fort Worth - Plano, TX
North Dallas Specialist

Thank you Roy Kelley for your comment and for dropping by!

Feb 21, 2021 09:00 AM
Susie Kay
Ultra Real Estate Dallas Fort Worth - Plano, TX
North Dallas Specialist

Thank you Joan Cox for your comment and for dropping by!  It's always good to see you here.

Feb 21, 2021 09:01 AM
Susie Kay
Ultra Real Estate Dallas Fort Worth - Plano, TX
North Dallas Specialist

Thank you Brian England for your comment and for dropping by.  This loan is a much better loan than many out there that are also providing down payment assistance.  Obviously, they can always re-finance in the future.  

Feb 21, 2021 09:13 AM

What's the reason you're reporting this blog entry?

Are you sure you want to report this blog entry as spam?