First Responders Homebuyer Assistance Program (FRHAP)

First Responders Homebuyer Assistance Program (FRHAP) is a forgivable loan for homebuyers in San Antonio, Texas. San Antonio NHSD program providing up to $15,000 forgivable DPA exclusively for police, firefighters, and EMS/paramedics. 0% interest, 10-year forgiveness, owner-occupied within City of San Antonio limits. City of San Antonio's First Responders Homebuyer Assistance Program (FRHAP) provides up to $15,000 in down payment and closing cost assistance to qualifying San Antonio first responders - police officers, firefighters, and EMS/paramedics employed by the City of San Antonio or qualifying public safety agencies. The assistance is structured as a deferred 0% second mortgage forgiven over 10 years of continued owner-occupancy. Funds may be applied to down payment, closing costs, prepaid items. Funding comes from Local and HOME.

First Responders Homebuyer Assistance Program (FRHAP) is forgiven after 10 years, so a homebuyer who stays that long does not repay it. Repayment is triggered by Pro-rata forgiveness (10% per year) over 10 years and balance recaptured if sold, refinanced, or no longer owner-occupied during forgiveness period. The assistance is recorded in 2nd Lien position. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

First Responders Homebuyer Assistance Program (FRHAP) is open to homebuyers who will live in the home as their primary residence. On credit, the program states: 620 minimum FICO; lender overlays may require 640+. A homebuyer education course is required, through HUD-approved 8-hour homebuyer education required; SA-area providers include Alamo Community Group, Family Service Association, NHS San Antonio. Residency requirement: Property must be within City of San Antonio limits and used as primary residence. Citizenship or immigration status: U.S. citizen, permanent resident, or qualifying non-permanent resident alien. RESTRICTED TO QUALIFYING FIRST RESPONDERS: active-duty police officers, firefighters, and EMS/paramedics employed by City of San Antonio or qualifying public safety agencies. Property must be located within City of San Antonio limits. Owner-occupancy required for full 10-year forgiveness. HUD-approved 8-hour homebuyer education required. Minimum $500 borrower contribution. Recorded second-lien deed of trust. Income at or below 120% AMI typically. Verify employment documentation with NHSD.

First Responders Homebuyer Assistance Program (FRHAP) limits household income to 120% of the area median income, which varies by county and household size. Income limits scale to first responder profession; typical ceiling at 120% AMI San Antonio MSA. Verify current schedule with NHSD. The limit applies to total household income, not only the borrower’s. Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

First Responders Homebuyer Assistance Program (FRHAP) caps the purchase price as follows: Subject to NHSD published acquisition limits / HUD HOME 95% area median where applicable. Eligible property types include Single-family detached, townhouse, condominium, PUD and 1-unit only. New construction is eligible. Manufactured homes are not eligible.

First Responders Homebuyer Assistance Program (FRHAP) names law enforcement officers, firefighters, and healthcare workers among the groups it serves. Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

First Responders Homebuyer Assistance Program (FRHAP) serves homebuyers purchasing in San Antonio, Texas.

Applications for First Responders Homebuyer Assistance Program (FRHAP) go through the administering agency, which publishes the current terms and the application steps on its own site. Funds are reserved through Apply through City of San Antonio NHSD; subject to annual fund availability. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.