Programs that may be relevant to you.

FHA mortgage insurance for buying or refinancing a principal residence of one to four units. The loan is made by an approved lender and insured by HUD. Loan limits vary by area.

Assistance type

Government-insured mortgage

Geography

Nationwide, including Texas

First-time buyer

First-time buyer requirement not yet confirmed

Helps low- and very-low-income applicants obtain decent, safe and sanitary housing in eligible rural areas, with payment assistance that temporarily reduces mortgage payments based on adjusted family income. Typically no down payment; applications accepted year-round through local Rural Development offices.

Assistance type

Direct home loan with payment assistance

Geography

Eligible rural areas nationwide, including rural parts of the San Antonio region

Property requirement

In an eligible rural area; must not exceed the area loan limit; cannot be designed for income-producing activities.

First-time buyer

First-time buyer requirement not yet confirmed

USDA guarantees loans made by approved lenders to help low- and moderate-income households buy a modest home as their primary residence in eligible rural areas. Offers 100% financing on 30-year fixed-rate loans and can be used to buy, build, rehabilitate, improve or relocate a home.

Assistance type

guaranteed loan

Geography

Eligible rural areas nationwide, including parts of Texas; check eligibility by address

Income limitation

cannot exceed 115% of median household income

Credit criteria

The program has no credit score requirements, but applicants are expected to demonstrate a willingness and ability to handle and manage debt.

Property requirement

Primary residence in an eligible rural area

First-time buyer

First-time buyer requirement not yet confirmed

Fixed-rate mortgage loans offered through participating lenders, with down payment assistance as a grant or forgivable second lien and a mortgage credit certificate option. Confirm current terms with TSAHC or a participating lender.

Assistance type

Down payment assistance with fixed-rate mortgage; mortgage credit certificate option

Geography

Statewide Texas, including San Antonio and Bexar County

Income limitation

households earning up to 80% of the area's median income are considered low-income, while households earning up to 150 to 170% of the area's median income are considered moderate-income

Credit criteria

minimum 620 credit score requirement on government loans and 640 minimum on conventional loans

First-time buyer

First-time buyer requirement varies

A federal income tax credit for eligible home buyers that lets borrowers claim 15% of the mortgage interest they pay each year as a tax credit. Per TSAHC, the stand-alone MCC is discontinued; MCCs are available only in combination with TSAHC down payment assistance or 0% No-DPA programs.

Assistance type

Mortgage credit certificate (federal tax credit)

Geography

Statewide Texas, including San Antonio / Bexar County

Property requirement

Single-family homes, condominiums, townhomes and some manufactured homes; primary residence.

First-time buyer

First-time buyer requirement varies

Down payment assistance paired with a 30-year mortgage through participating lenders. The official page states buyers do not have to be first-time homebuyers. Confirm current terms with TDHCA or a participating lender.

Assistance type

Down payment assistance with 30-year fixed-rate mortgage

Geography

Statewide Texas, including San Antonio and Bexar County

First-time buyer

First-time buyer not required

TDHCA homebuyer program offering down payment assistance together with a 30-year mortgage for first-time homebuyers. Exceptions to the first-time homebuyer requirement are available in targeted areas and for qualified veterans.

Assistance type

down payment assistance; 30-year mortgage

Geography

Statewide Texas

Education requirement

Completing an approved homebuyer education course is required to qualify for assistance through The TDHCA Homebuyer Program

First-time buyer

First-time buyer required

Old URL tdhca.texas.gov/my-first-texas-home returns 404; program now listed on welcomehome.tdhca.texas.gov. Income, price and credit limits not stated on this page.

A 0% interest, no-payment second loan of $1,000 to $30,000 toward down payment and related purchase costs for homes within San Antonio city limits. Forgiveness terms depend on the loan amount; see the official page. The city also offers HIP 120 for higher-income households.

Assistance type

down payment assistance (0% forgivable second loan)

Geography

Within San Antonio city limits

Income limitation

2026 Household Income Limits: 1 Person $56,350; 2 Person $64,400; 3 Person $72,450; 4 Person $80,500; 5 Person $86,950; 6 Person $93,400; 7 Person $99,850; 8 Person $106,300

Purchase-price limitation

Existing Home: $260,000. New Construction: $284,000.

Education requirement

Register for a HUD approved 8-hour class

First-time buyer

First-time buyer requirement not yet confirmed

Affordable Habitat-built homes with a 0% interest mortgage, with monthly payments capped relative to household income. Buyers attend homeowner education and contribute sweat-equity hours.

Assistance type

0% interest mortgage (affordable home purchase)

Geography

Bexar, Guadalupe, Kendall, Bandera, Medina, Atascosa or Wilson County

Credit criteria

Workable credit history. Medical and dental debt are not counted against you. We do not use credit scores but do check for collection accounts and timely payments.

Education requirement

Homeowner education meetings required

First-time buyer

First-time buyer required

Down payment and closing cost assistance for eligible first-time homebuyers, offered as a deferred second lien with a first mortgage from a participating lender. Buyers complete a HUD-approved homebuyer education course.

Assistance type

Down payment and closing cost assistance (deferred second lien)

Geography

Bexar County and surrounding counties

Credit criteria

Minimum credit score of 580

Education requirement

HUD-approved homebuyer education course

First-time buyer

First-time buyer required

VA-backed and VA direct home loans for eligible Veterans, service members and survivors to buy, build, improve or refinance a home. Requires a Certificate of Eligibility; lenders still review credit and income.

Assistance type

Government-guaranteed mortgage and VA direct loan

Geography

Nationwide, including Texas

Occupation requirement

Veterans, service members and eligible survivors with a Certificate of Eligibility

First-time buyer

First-time buyer requirement not yet confirmed

Finances the purchase of Texas land for eligible veterans and military members with a 30-year fixed-rate loan. Land must be at least one acre, wholly within Texas, with legal access to a public road.

Assistance type

Below-market land loan

Geography

Statewide Texas

Property requirement

Minimum one acre; wholly within Texas; legal access to a public road; not owned by applicant or spouse within the previous 3 years.

First-time buyer

First-time buyer not required

Helps Texas veterans and military members buy a home with competitive, low-interest fixed-rate loans requiring little or no down payment, for 15, 20, 25 or 30-year terms. Discounted rates are available for veterans with service-connected disabilities rated 30% or higher.

Assistance type

Below-market home loan

Geography

Statewide Texas

Property requirement

Single-family home, townhome or condominium in Texas; primary residence.

First-time buyer

First-time buyer not required

HUD offers eligible law enforcement officers, teachers, firefighters and emergency medical technicians a discount of 50% from the list price of eligible HUD homes in designated revitalization areas.

Assistance type

Purchase price discount on HUD-owned homes

Geography

Nationwide, HUD-designated revitalization areas (check listings for San Antonio / Bexar County)

Occupation requirement

Law enforcement officers, teachers (pre-Kindergarten through 12th grade), firefighters, emergency medical technicians

First-time buyer

First-time buyer requirement not yet confirmed

Fixed-rate mortgage loans paired with down payment assistance and/or a mortgage credit certificate for eligible Texas professionals. Down payment assistance of up to 5% of the loan amount is offered as a grant or as a second lien forgiven after three years; the mortgage credit certificate provides a federal income tax credit on a portion of mortgage interest paid.

Assistance type

down payment assistance; mortgage credit certificate; fixed-rate mortgage

Geography

Statewide Texas (limits vary by county)

Credit criteria

minimum 620 credit score requirement on government loans and 640 minimum on conventional loans

Occupation requirement

Allied Health Faculty Members, Corrections Officers, County Jailers, Emergency Medical Services Personnel, Fire Fighters, Juvenile Corrections Officers, Nursing Faculty Members, Peace Officers, Professional Educators, Public Security Officers, and Veterans

First-time buyer

First-time buyer not required

Income and purchase price limits vary by county and household size; see official page. Page states some borrowers may qualify even if they have owned a home before.