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Read. Follow. Verify.Texas Expands Home Loan Income Eligibility for Educators and Public Safety Personnel
Last action · March 10, 2025: Referred to Intergovernmental AffairsSponsor: Vikki Goodwin
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What This Bill Proposed
Texas House Bill 1262 raises the maximum income eligibility cap from 115 percent to 140 percent of the for certain public servants, educators, and veterans applying for specific home loans through the Texas State Affordable Housing Corporation.
Changes financial qualification limits for public safety officers, teachers, veterans, and medical personnel seeking housing loans through state programs starting September 1, 2025.
Who It Would Have Affected
Groups the bill's text would have affected, as described in the record. Being affected is not a position for or against it.
Public safety officers, educators, and veterans
Individuals in these professions face a raised income ceiling (from 115 percent to 140 percent of area median family income) to qualify for state-administered home loans.
Texas State Affordable Housing Corporation
The corporation's statutory purposes, lending priorities, and mortgage banking operations are updated to reflect revised income and multifamily affordability parameters.
Key Facts
- Raises the maximum income threshold to 140 percent of the area median family income for public servants and educators applying for home loans under Section 2306.5621, Government Code.
- Retains requirements that the corporation prioritize housing finance for individuals and families of low, very low, and extremely low income.
- Maintains affordability rules for multifamily developments requiring either at least 40 percent of units at or below 60 percent of median family income, or 20 percent of units at or below 50 percent of median family income.
- Requires the corporation to use commercial lenders, community banks, thrifts, and nonprofit organizations for loan origination to the extent reasonably practicable.
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- Establishes an effective date of September 1, 2025.
Frequently Asked Questions
Who qualifies for the expanded home loan income threshold under this bill?
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Votes, people, money & the original sourceWhere This Stands
This bill did not become law - Died at adjournment · in House committee.
Procedural history
3 actions- Mar 10, 2025HouseCommitteeReferred to Intergovernmental Affairs
- Mar 10, 2025HouseIntroducedRead first time
- Nov 13, 2024HouseIntroducedFiled
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Connected Entities
Sources
capitol.texas.gov
Analysis Score
0–100- Significance20Lowered because this bill did not pass (its text scored 60)
- Controversy10Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz15Current news / social attention level
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