City of San Antonio Down Payment Assistance Programs
2 local down payment assistance programs for homebuyers in the City of San Antonio, each checked against its official page.
City of San Antonio down payment assistance at a glance (2026)
| Program | Amount | Type | First-time buyer | Income limit | Price limit | Status |
|---|
| Homeownership Incentive Program (HIP 80) | $1,000-$30,000 | Forgivable loan | Not stated | 2026 limit for a family of four: $80,500 | $260,000 existing home; $284,000 new construction | Offered |
|---|
| Homeownership Incentive Program (HIP 120) | $1,000-$15,000 | Forgivable loan | Not stated | 2025 limit for a family of four: $120,700 | $301,700 existing home; $332,800 new construction | Offered |
|---|
Income and price limits often vary by household size. Look up your county's area median income and HUD income limits.
Local programs
City of San Antonio Neighborhood and Housing Services Department
- Amount
- $1,000-$30,000
- First-time buyer
- Not stated on source
- Status
- Offered
- Income limit
- 2026 limit for a family of four: $80,500
- Purchase price limit
- $260,000 existing home; $284,000 new construction
0% interest, no payments. Loans up to $15,000 are forgiven over 5 years; $15,001-$30,000 is forgiven over 10 years. An 8-hour homebuyer class and a $500 earnest money deposit are required, and the home must be inside San Antonio city limits.
Last checked Nov 3, 2026 · Official source (opens in new tab) ↗
City of San Antonio Neighborhood and Housing Services Department
- Amount
- $1,000-$15,000
- First-time buyer
- Not stated on source
- Status
- Offered
- Income limit
- 2025 limit for a family of four: $120,700
- Purchase price limit
- $301,700 existing home; $332,800 new construction
0% interest, no payments. 75% of the loan is forgiven over 10 years and 25% is perpetual. An 8-hour homebuyer class and a $500 earnest money deposit are required, and the home must be inside San Antonio city limits.
Last checked Nov 3, 2026 · Official source (opens in new tab) ↗
Other local programs in Texas
Statewide help in Texas
You may also qualify for 1 statewide Texas program. Local and state assistance can sometimes be layered; confirm with each administrator.
- My First Texas Home (Texas Department of Housing and Community Affairs (TDHCA)) — 2% to 5% (subject to availability)
Check eligibility for Texas How to apply
Compare these programs · AMI / income limits · All Texas programs
HUD-approved homebuyer counselors in San Antonio, Texas (4)
Many down payment programs require a homebuyer class or counseling session. These agencies are approved by HUD and offer pre-purchase counseling or homebuyer education, usually free or low cost. From HUD's housing counselor list ↗, retrieved Nov 4, 2026.
- CITY OF SAN ANTONIO/DEPT OF NEIGHBORHOOD AND HOUSING SERVICES (DNHS) · San Antonio · 210-207-5309
- NEIGHBORHOOD HOUSING SERVICES OF SAN ANTONIO · San Antonio · 210-533-6673 · website ↗ · Spanish
- NSC (NACA COUNSELING SUBSIDIARY) - SAN ANTONIO, TX · San Antonio · 210-826-2828 · website ↗ · Spanish
- OUR CASAS RESIDENT COUNCIL, INC. · San Antonio · 210-354-2400 · website ↗ · Spanish
Common questions
Does City of San Antonio offer down payment assistance?
Yes. We list 2 local programs checked against official pages: Homeownership Incentive Program (HIP 80) from City of San Antonio Neighborhood and Housing Services Department ($1,000-$30,000); Homeownership Incentive Program (HIP 120) from City of San Antonio Neighborhood and Housing Services Department ($1,000-$15,000).
What are the income limits for City of San Antonio down payment assistance?
Published on the official pages: Homeownership Incentive Program (HIP 80): 2026 limit for a family of four: $80,500; Homeownership Incentive Program (HIP 120): 2025 limit for a family of four: $120,700. Confirm current limits with the administrator.
What are the purchase price limits for City of San Antonio assistance?
Published on the official pages: Homeownership Incentive Program (HIP 80): $260,000 existing home; $284,000 new construction; Homeownership Incentive Program (HIP 120): $301,700 existing home; $332,800 new construction.
How does Homeownership Incentive Program (HIP 80) work?
0% interest, no payments. Loans up to $15,000 are forgiven over 5 years; $15,001-$30,000 is forgiven over 10 years. An 8-hour homebuyer class and a $500 earnest money deposit are required, and the home must be inside San Antonio city limits.
How does Homeownership Incentive Program (HIP 120) work?
0% interest, no payments. 75% of the loan is forgiven over 10 years and 25% is perpetual. An 8-hour homebuyer class and a $500 earnest money deposit are required, and the home must be inside San Antonio city limits.
Can I combine City of San Antonio assistance with statewide Texas programs?
Sometimes. Texas also has 1 statewide program listed here; whether they can be layered with local help depends on each program's rules, so ask both administrators.
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