Programs to help professional educators & related jobs OR  a Texas hero such as full-time fire fighter, EMS, peace officer, corrections officer, county jailer or public security officer working in TX OR an individual at or below 80% of the Area Median Family Income.  Also must be a resident of the State of Texas, will be your primary residence, prove credit worthiness, no home ownership in past 3 years AND complete a HUD approved homebuyer education course prior to closing on the home loan.  When you are on HUD’s website you can narrow your search by entering your city and by selecting “Homebuyer Education Programs”.