Assistance grant
San Antonio HIP 80 (Homeownership Incentive Program)
First-time homebuyers · Income limits · Single-family
Down payment assistance · Bexar County
Buying a home in San Antonio, TX
10 San Antonio programs, 1 county program and 50 statewide.San Antonio has 10 programs of its own, 1 more across Bexar County, and 50 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for San Antonio addresses
San Antonio’s own programs
Assistance grant
San Antonio HIP 120 (Homeownership Incentive Program)
First-time homebuyers · Income limits · Single-family
Assistance grant
Neighborhood Housing Services of San Antonio
First-time homebuyers · New construction · Income limits · Single-family
Forgivable loan
San Antonio Homeownership Incentive Program (HIP 120)
First-time homebuyers · Income limits · Single Family · Townhouse · New Construction
Forgivable loan
First Responders Homebuyer Assistance Program (FRHAP)
Income limits · Single-family detached, townhouse, condominium, PUD · 1-unit only.
Forgivable loan
Home Ownership Program for Employees (HOPE)
Income limits · Single-family detached, townhouse, condominium, PUD · 1-unit only.
Deferred second loan
Homeownership Incentive Program (HIP 120)
New construction · Income limits · Single-family detached, townhouse, condominium, PUD · 1-unit.
Deferred second loan
Homeownership Incentive Program (HIP 80)
New construction · Income limits · Single-family detached, townhouse, condominium, PUD · 1-unit.
Forgivable loan
Middle Income Homeownership Program
First-time homebuyers · Income limits · Single-family detached, townhouse, condominium, PUD · 1-unit only.
Assistance grant
San Antonio Housing Trust Fund Program
First-time homebuyers · New construction · Single-family
Anywhere in BexarAnywhere in Bexar County
1 county program1 county program a San Antonio homebuyer can also use
The San Antonio marketThe San Antonio housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in San Antonio
- 58.7% single-familysingle-family
- 2.5% townhousetownhouse
- 7.3% 2–4 units2–4 units
- 30% 5+ unitscondo & apartment buildings (5+ units)
- 1.6% mobile & othermobile home & other
Condos count. 5 of San Antonio’s 11 local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When San Antonio’s homes were built
pre-19401970s2020+
42.5%
of San Antonio homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$100,600
County area median income, 4 people (HUD)HUD area median income, Bexar County, 4-person household (2026)
$65,056
San Antonio median household incomeMedian household income in San Antonio (Census, 2024)
30 of the 123 programs here set their income limit as a share of Bexar County’s area median income, adjusted for household size. See the published limits for Bexar County
Free help nearbyFree help near San Antonio
5 HUD-approved counseling agencies within 15 miles5 HUD-approved housing counseling agencies within 15 miles
10 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.10 of the 11 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Texas and nationwide
112 statewide & federal programs50 statewide programs, plus federal options
San Antonio questions
Does San Antonio have its own down payment program?
Yes, 10: San Antonio HIP 80 (Homeownership Incentive Program), San Antonio HIP 120 (Homeownership Incentive Program), Neighborhood Housing Services of San Antonio, San Antonio Homeownership Incentive Program (HIP 120), First Responders Homebuyer Assistance Program (FRHAP), Home Ownership Program for Employees (HOPE), Homeownership Incentive Program (HIP 120), Homeownership Incentive Program (HIP 80), Middle Income Homeownership Program and San Antonio Housing Trust Fund Program. Each is for homes inside San Antonio.
Can I use assistance on a condo in San Antonio?
5 of San Antonio’s 11 local and county programs accept condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Bexar County?
Each program sets its own. 30 of the programs here set theirs as a share of HUD’s area median income for Bexar County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near San Antonio?
HUD-approved housing counseling agencies teach homebuyer classes, and 5 agencies are within 15 miles of San Antonio. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
78201 · 78202 · 78203 · 78204 · 78205 · 78206 · 78207 · 78208 · 78209 · 78210 · 78211 · 78212 · 78213 · 78214 · 78215 · 78216 · 78217 · 78218 · 78219 · 78220 · 78221 · 78222 · 78223 · 78224 · 78225 · 78226 · 78227 · 78228 · 78229 · 78230 · 78231 · 78232 · 78233 · 78234 · 78235 · 78236 · 78237 · 78238 · 78239 · 78240 · 78241 · 78242 · 78243 · 78244 · 78245 · 78246 · 78247 · 78248 · 78249 · 78250 · 78251 · 78252 · 78253 · 78254 · 78255 · 78256 · 78257 · 78258 · 78259 · 78260 · 78261 · 78262 · 78263 · 78264 · 78265 · 78266 · 78268 · 78269 · 78270 · 78275 · 78278 · 78279 · 78280 · 78283 · 78284 · 78285 · 78286 · 78287 · 78288 · 78289 · 78291 · 78292 · 78293 · 78294 · 78295 · 78296 · 78297 · 78298 · 78299
Nearby in Bexar
Sources
Sources: agency sites (July–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.