{"id":5432,"date":"2026-06-11T20:25:54","date_gmt":"2026-06-11T14:25:54","guid":{"rendered":"https:\/\/lrgrealty.com\/lrg-blog\/?p=5432"},"modified":"2026-06-14T05:21:36","modified_gmt":"2026-06-13T23:21:36","slug":"down-payment-assistance-san-antonio-2026","status":"publish","type":"post","link":"https:\/\/lrgrealty.com\/lrg-blog\/down-payment-assistance-san-antonio-2026\/","title":{"rendered":"Down Payment Assistance in San Antonio: Every Program for 2026"},"content":{"rendered":"
\n
\n

San Antonio has multiple down payment assistance programs, but not all are currently accepting applications. The City of San Antonio HIP program, which offers up to $30,000 at 0% interest, is paused for FY 2026. If renewed by City Council, funding may become available October 2026. TSAHC, SETH, and My First Texas Home are statewide programs that remain active and accept applications now at 620+ credit scores. This page maps every DPA program available to San Antonio buyers in 2026: which are active, which are paused, what each requires, and how to apply.<\/p>\n

Check DPA Eligibility \u2192<\/a>
\nAffordability Calculator<\/a><\/p>\n

Veteran or active-duty Military? See LRG Veteran Homefront \u2192<\/a><\/div>\n
\n
\n
$30K<\/div>\n
City HIP 80 (paused FY 2026)<\/div>\n<\/div>\n
\n
5%<\/div>\n
TSAHC Grant (active, 620+)<\/div>\n<\/div>\n
\n
5%<\/div>\n
SETH 5-Star (active, 620+)<\/div>\n<\/div>\n
\n
620<\/div>\n
Min Score for State DPA<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
\n
\n
\n
Quick Answers<\/div>\n

San Antonio DPA programs at a glance<\/h2>\n<\/div>\n
\n
\n
Active NOW (620+ score)<\/div>\n
\n
\n
TSAHC Home Sweet TX<\/b>Up to 5% grant. All buyers. Active.<\/span><\/div>\n
SETH 5-Star<\/b>Up to 5% DPA. All buyers. Active.<\/span><\/div>\n
My First Texas Home<\/b>Below-market rate + DPA. First-time only.<\/span><\/div>\n<\/dl>\n<\/div>\n<\/div>\n
\n
Paused FY 2026<\/div>\n
\n
\n
City HIP 80<\/b>$30K at 0%. Below 80% AMI. Paused.<\/span><\/div>\n
City HIP 120<\/b>$15K at 0%. Below 120% AMI. Paused.<\/span><\/div>\n
Potential reopen<\/b>If renewed by Council, October 2026.<\/span><\/div>\n<\/dl>\n<\/div>\n<\/div>\n
\n
How much DPA covers<\/div>\n
\n
\n
FHA down on $290K<\/b>$10,150. TSAHC 5% = $14,500. Covers it.<\/span><\/div>\n
FHA down on $200K<\/b>$7,000. TSAHC = $10,000. Covers it + closing.<\/span><\/div>\n
HIP on $260K<\/b>$30,000. Covers down + closing + reserves.<\/span><\/div>\n<\/dl>\n<\/div>\n<\/div>\n
\n
Key requirements<\/div>\n
\n
\n
Credit<\/b>620+ for all statewide programs.<\/span><\/div>\n
Income<\/b>Household income within program limits.<\/span><\/div>\n
Homebuyer course<\/b>Required by most programs. Free online.<\/span><\/div>\n<\/dl>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n
\n
\n
\n
Top Questions<\/div>\n

Three things buyers ask first about DPA<\/h2>\n<\/div>\n
\n
\nIs down payment assistance still available in San Antonio in 2026?<\/summary>\n
Yes. TSAHC, SETH, and My First Texas Home are statewide programs that remain active and accepting applications now at 620+ credit scores. The City of San Antonio HIP program is paused for FY 2026. If renewed by City Council, funding may become available October 2026.<\/div>\n<\/details>\n
\nDo I have to pay back down payment assistance?<\/summary>\n
It depends on the program. TSAHC Home Sweet TX provides a grant that never needs repayment. City HIP provides a 0% interest loan forgivable over 5 to 10 years of owner occupancy. SETH provides DPA as a deferred second lien. Each program has different repayment structures detailed below.<\/div>\n<\/details>\n
\nCan I get DPA with a 580 credit score?<\/summary>\n
The City HIP program accepts 580+ but is currently paused. All active statewide programs (TSAHC, SETH, My First Texas Home) require 620+. At 580 to 619, no DPA is currently active in San Antonio. The 580-to-620 credit path takes 3 to 6 months and unlocks the full DPA menu.<\/div>\n<\/details>\n<\/div>\n<\/div>\n<\/section>\n
\n
\n
\n
What Is Active Right Now<\/div>\n

DPA programs accepting applications in San Antonio today<\/h2>\n<\/div>\n
\n

Three statewide programs are actively accepting applications for San Antonio buyers<\/a> as of 2026. TSAHC Home Sweet Texas provides up to 5% of the mortgage amount as a grant or forgivable second lien. SETH 5-Star provides up to 5% as DPA. My First Texas Home provides a below-market interest rate plus DPA for first-time buyers. All three require a 620 credit score, income within program limits, and completion of a homebuyer education course. All three work with FHA and conventional loans. The application process runs through participating lenders, not through the state directly.<\/p>\n

The non-obvious issue is funding availability. These programs are funded by bond issuances and mortgage revenue bonds. During high-demand periods, the pipeline can temporarily pause until new bonds are issued. A buyer who qualifies and applies in March may close smoothly, while a buyer who applies in June during a bond gap may need to wait 2 to 4 weeks for the next funding cycle. An LRG agent who works with these programs daily knows the current funding status and can route buyers to whichever program has immediate availability, preventing unnecessary delays.<\/p>\n<\/div>\n

\n