First Time Homebuyer Programs in San Antonio
Buying a home for the first time can feel overwhelming, especially in a growing city like San Antonio. But with the right support, it's more than possible.
San Antonio offers several first-time homebuyer programs that help reduce the financial burden through grants, forgivable loans, and down payment assistance.
Whether you’re a teacher, firefighter, Veteran, or simply a new buyer with modest income, there are tailored programs to meet your needs.
This guide breaks down everything you need to know—eligibility, available assistance, and how to apply—so you can take confident steps toward homeownership in one of Texas’ most affordable cities.
Key Takeaways
- San Antonio offers down payment assistance up to $40,000 for qualifying buyers.
- HIP 120 and HIP 80 are city-backed programs offering forgivable second loans.
- FRHAP provides exclusive aid for first responders in and around San Antonio.
- TSAHC programs assist teachers, veterans, and first responders statewide.
- FHA loans are a strong option with low down payments and flexible credit rules.
- Most programs require a HUD-approved homebuyer education course.
- Income limits apply, typically based on HUD’s AMI guidelines for Bexar County.
- Combining local programs with FHA or VA loans can maximize affordability.
Why San Antonio is a Great Place for First-Time Homebuyers
San Antonio’s vibrant culture, affordable housing market, and strong job growth make it an ideal spot for first-time buyers. The median home price in San Antonio hovers around $295,000, significantly lower than in cities like Austin or Dallas.
Add in the city’s rich history, from the Alamo to the River Walk, and it’s no wonder why so many are eager to call it home. But even with these advantages, saving for a down payment or closing costs can be tough. That’s where first-time homebuyer programs come in, offering grants, loans, and education to ease the financial burden.
What Are First-Time Homebuyer Programs?
A first-time homebuyer, as defined by the U.S. Department of Housing and Urban Development (HUD), is someone who hasn’t owned a primary residence in the last three years. These programs aim to support such buyers with financial aid and resources. In San Antonio, you’ll find local, state, and federal options tailored to various income levels and professions. Let’s dive into the most relevant programs available.
Key First-Time Homebuyer Programs in San Antonio
City of San Antonio Homeownership Incentive Program (HIP 120)
The City of San Antonio’s Homeownership Incentive Program (HIP 120) is a standout option for first-time buyers. It provides a 0% interest, no-payment second loan ranging from $1,000 to $15,000 to cover down payments and closing costs. The loan is partially forgivable—75% is forgiven over 10 years if you stay in the home. Homes must be within San Antonio city limits, and the purchase price can’t exceed $221,000 for existing homes or $235,000 for new construction.
Eligibility: First-time buyer, HUD-approved homebuyer education course, income within HUD limits, minimum $500 earnest money deposit.
How to Apply: Contact the Neighborhood and Housing Services Department at (210) 207-6459 or visit www.sanantonio.gov for details.
Homeownership Incentive Program 80 (HIP 80)
Another city-backed program, HIP 80, offers up to $30,000 in assistance for buyers with incomes at or below 80% of the area median income (AMI). Like HIP 120, it’s a 0% interest, forgivable loan secured by a lien, fulfilled after five years of residency. This program is ideal for lower-income households looking for substantial support.
Eligibility: Income at or below 80% AMI, first-time buyer, home within city limits.
Contact: Reach out to the city’s housing department or visit www.sa.gov for application steps.
First Responders Homebuyer Assistance Program (FRHAP)
San Antonio values its first responders, offering the FRHAP for SAPD and SAFD employees (uniformed and cadets). This program provides a 0% interest second loan—$20,000 for homes outside the Community Revitalization Action Group (CRAG) area or $40,000 within it—to cover down payments and closing costs.
Eligibility: SAPD/SAFD employees, first-time buyer, home within city limits.
Details: Learn more at 311.sanantonio.gov or call (210) 207-6459.
Texas State Affordable Housing Corporation (TSAHC) Programs
The Texas State Affordable Housing Corporation offers down payment assistance and mortgage credit certificates for first-time buyers across Texas, including San Antonio. TSAHC’s programs provide up to 5% of the loan amount as a grant or forgivable loan for down payments and closing costs. They also cater to specific professions like teachers, firefighters, and veterans.
Eligibility: First-time buyer (or no home ownership in three years), income and purchase price within TSAHC limits, HUD-approved education course.
Apply: Visit www.tsahc.org for program details and lender contacts.
Federal Housing Administration (FHA) Loans
FHA loans are a popular choice for San Antonio first-time buyers due to their low 3.5% down payment requirement and flexible credit standards. Backed by the Federal Housing Administration, these loans are offered through approved lenders and can be paired with local down payment assistance programs for even greater savings.
Eligibility: Minimum 580 credit score for 3.5% down, steady income, debt-to-income ratio under 43%.
Learn More: Check out www.hud.gov for FHA loan guidelines.
Comparison of Local Down Payment Assistance Programs
Explore key differences between San Antonio’s top down payment assistance programs. Compare loan amounts, forgiveness periods, and eligibility criteria to find the best fit for your first home purchase.
| Program | Assistance Amount | Interest Rate | Forgiveness Period | Eligibility |
|---|---|---|---|---|
| HIP 120 | $1,000–$15,000 | 0% | 75% over 10 years | First-time buyer, HUD income limits |
| HIP 80 | $1,000–$30,000 | 0% | 5 years | Income ≤80% AMI, first-time buyer |
| FRHAP | $20,000–$40,000 | 0% | Not specified | SAPD/SAFD employees, first-time |
| TSAHC DPA | Up to 5% of loan | Varies | Varies | First-time buyer, profession-based |
Source: Program websites and City of San Antonio Housing Department, 2025.
Additional Resources for First-Time Buyers
Homebuyer Education Classes
Most San Antonio programs require a HUD-approved homebuyer education course. These classes cover budgeting, credit, mortgage processes, and home maintenance. The City of San Antonio offers free sessions, which you can register for at www.sanantonio.gov. Completing this step not only meets program requirements but also equips you with knowledge to make informed decisions.
Opportunity Home San Antonio
Opportunity Home San Antonio’s Middle Income Homeownership Program (MIHP) offers newly constructed homes starting in the $160s for buyers at 60–80% AMI. These modern, energy-efficient homes are located in subdivisions like Villas de Fortuna. Buyers must complete a HUD-approved course and secure an FHA, VA, or conventional loan.
Habitat for Humanity of San Antonio
Habitat for Humanity helps first-time buyers with 0% interest mortgages and affordable payments. Participants contribute “sweat equity” by helping build their homes, fostering a sense of ownership. Homes are priced based on income, typically for those earning 30–80% AMI.
Eligibility: First-time buyer, stable income for three years, workable credit.
Apply: Visit habitatsa.org for application details.
Loan Options for San Antonio First-Time Buyers
Compare key mortgage loan types available in San Antonio, including down payment minimums, credit requirements, and which loan fits your needs best.
| Loan Type | Down Payment | Credit Score | DTI Limit | Best For |
|---|---|---|---|---|
| FHA Loan | 3.5% | 580 | 43% | Flexible credit, low down payment |
| VA Loan | 0% | 620 | 41% | Veterans, no down payment |
| Conventional Loan | 3% | 620 | 43% | Good credit, low down payment |
| TSAHC Home Sweet Texas | 3–5% | Varies | Varies | Teachers, first responders |
Source: FHA, VA, and TSAHC official loan guidelines for Texas first-time buyers.
Tips for Navigating the Homebuying Process
Check Your Credit Early: A higher credit score means better loan terms. Pull your report from AnnualCreditReport.com and address any errors.
Get Pre-Approved: A pre-approval letter from a lender shows sellers you’re serious and helps you set a realistic budget.
Budget for Closing Costs: These can range from 2–5% of the home price. Programs like HIP 120 can help cover them.
Explore Neighborhoods: San Antonio’s diverse areas, like Alamo Heights or Stone Oak, offer different vibes and price points. Visit open houses to get a feel for what suits you.
Stay Patient: Finding the right home takes time. Don’t rush into a decision just because you’re eager to buy.
Common Challenges and How to Overcome Them
Saving for a down payment is often the biggest hurdle. If you’re struggling, combine programs like TSAHC’s grant with an FHA loan for minimal upfront costs. Another challenge is understanding loan terms. Work closely with your lender to clarify interest rates, repayment schedules, and forgiveness conditions. Finally, don’t skip the home inspection—it’s tempting to save money, but uncovering issues early can save thousands later.
Next Steps to Homeownership in San Antonio
San Antonio’s first-time homebuyer programs are powerful tools for unlocking affordable homeownership.
From HIP 120 and TSAHC assistance to FHA loans and local housing nonprofits, there are multiple pathways to help you overcome common obstacles like down payments and closing costs.
By understanding your options, taking a HUD-approved homebuyer course, and connecting with approved lenders, you can move forward with confidence.
Whether you're just starting your search or ready to make an offer, now is the time to explore these opportunities and make your dream of owning a home in San Antonio a reality.
FAQs About First-Time Homebuyer Programs in San Antonio
1. What qualifies as a first-time homebuyer in San Antonio?
You’re considered a first-time buyer if you haven’t owned a primary residence in the last three years, per HUD guidelines. Some programs, like TSAHC, also include buyers who haven’t owned in 18 months.
2. How much down payment assistance can I get in San Antonio?
Assistance ranges from $1,000–$40,000, depending on the program. For example, HIP 80 offers up to $30,000, while FRHAP provides $20,000–$40,000 for first responders.
3. Are there income limits for these programs?
Yes, most programs cap income at 80% of the area median income (AMI). For a family of four in San Antonio, that’s about $71,200 in 2025. Check HUD’s income limits for specifics.
4. Do I need to take a homebuyer education course?
Most programs, like HIP 120 and TSAHC, require a HUD-approved course. These are often free and cover budgeting, credit, and home maintenance.
5. Can I use multiple assistance programs together?
In some cases, yes. For example, you can pair TSAHC’s down payment grant with an FHA loan. However, HIP 120 can’t be combined with FRHAP.
6. What’s the maximum home price for these programs?
HIP 120 limits existing homes to $221,000 and new construction to $235,000. TSAHC and other programs have varying price caps, often around $300,000–$400,000.
7. Are there programs for non-first-time buyers?
Yes, TSAHC offers assistance for repeat buyers, especially teachers, veterans, or first responders. Check their site for eligibility details.
8. How long does the homebuying process take?
From pre-approval to closing, expect 30–60 days, depending on your financing, home search, and program processing times.
9. Can I buy a condo with these programs?
Yes, as long as it meets program guidelines (e.g., within city limits for HIP 120). Confirm with your lender and program administrator.
10. Where can I find a lender for these programs?
Many San Antonio lenders participate in FHA, TSAHC, and city programs. Start by contacting banks like Jefferson Bank or visiting TSAHC’s lender list.
