San Antonio Down Payment Assistance
Discover how San Antonio-area home buyers can receive up to 5% in down payment and closing cost assistance through Texas state programs.
Population
1,547,253
Median Home Price
$260,000
Median Income
$55,870
DPA Available
Up to 5%
Down Payment Assistance in San Antonio, Texas
San Antonio is the second-largest city in Texas and one of the most affordable major metros in the country, making it an outstanding market for homebuyers using down payment assistance programs. With a median home price around $260,000, San Antonio offers significantly more purchasing power than cities like Austin and Dallas.
San Antonio has a deep connection to the US military, with Joint Base San Antonio encompassing Fort Sam Houston, Lackland Air Force Base, and Randolph Air Force Base. The TSAHC Homes for Texas Heroes program is exceptionally popular here because it specifically serves veterans, active-duty military, teachers, police officers, firefighters, and other qualified professionals.
USAA, headquartered in San Antonio, employs thousands in the financial services sector. H-E-B, the beloved Texas grocery chain, maintains its corporate headquarters here. Valero Energy brings energy sector jobs, and a growing cybersecurity corridor has attracted tech companies and data centers.
Bexar County income limits accommodate a broad range of household incomes, and the area's lower home prices mean many properties fall within DPA purchase price limits. Popular neighborhoods like Stone Oak and Alamo Ranch offer newer master-planned communities, while established areas provide even more affordable options.
DPA Program Note
TSAHC Heroes program very popular due to military presence. Most San Antonio homes qualify for full DPA benefits.
Why San Antonio for Homeownership?
Key factors that make San Antonio an excellent market for buyers using down payment assistance.
Major military presence
Affordable major metro
Growing tech/cyber sector
Rich cultural heritage
Major Employers in San Antonio
San Antonio's diverse economy provides stable employment for home buyers qualifying for DPA programs.
Popular San Antonio-Area Communities
Explore neighborhoods and suburbs in the San Antonio metro where DPA programs can help you buy a home.
DPA Eligibility in San Antonio
Most San Antonio-area buyers who meet the following criteria can qualify for Texas down payment assistance programs.
- Household income within Bexar County limits (varies by program and family size)
- Minimum credit score of 620 (some programs may allow lower with compensating factors)
- Purchasing a primary residence in the state of Texas
- Completing a HUD-approved homebuyer education course (available online)
- Working with a TDHCA- or TSAHC-approved lender like Cornerstone First Mortgage
- Meeting the purchase price limits for Bexar County (currently up to $472,030 standard or $546,250 in high-cost areas)
Eligibility requirements vary by program. Contact the Cook Brothers Mortgage Team for a personalized eligibility assessment based on your specific financial situation and the San Antonio area where you plan to buy.
San Antonio DPA FAQs
How much down payment assistance can I get in San Antonio?
Home buyers in San Antonio can receive up to 5% of the loan amount in down payment assistance through TDHCA and TSAHC programs. On a $260,000 home, that's up to $13,000 in assistance.
What are the income limits for DPA in Bexar County?
Income limits vary by program and household size. Bexar County limits are based on the San Antonio-New Braunfels Area Median Income (AMI). Generally, households earning up to 115% of AMI can qualify. Use our calculator or contact us for current limits.
Do I have to be a first-time buyer to use DPA in San Antonio?
No! While the TDHCA My First Texas Home program is for first-time buyers, the My Choice Texas Home program and some TSAHC options are available to repeat buyers. If you've owned a home before, you may still qualify for assistance in San Antonio.
Check Your Eligibility in San Antonio
Take our free 60-second quiz to see which Texas DPA programs you may qualify for in the San Antonio area. No credit check required, no obligation.
Cook Brothers Mortgage Team at Cornerstone First Mortgage | NMLS #173855