Down Payment Assistance
You Don’t Need 20% Down.
Here’s What You Actually Need.
This is the single biggest myth keeping qualified San Antonio renters on the sidelines. Here’s every real program available to you in 2026 — explained without the jargon.
Programs at a Glance
Six programs. One conversation to check them all.
| Program | What It Offers | General Eligibility |
|---|---|---|
| TSAHC | Down payment & closing cost assistance, statewide | Income limits apply |
| TDHCA | My First Texas Home & down payment assistance | Income and price limits by county |
| SAHA / Opportunity Home | Assistance + affordable new construction | San Antonio-area income limits |
| HIP 80 | City of SA assistance, up to 80% AMI | Income at or below 80% AMI |
| HIP 120 | City of SA assistance, up to 120% AMI | Slightly higher income ceiling |
| MCC | Federal tax credit on mortgage interest | Available alongside many first-time loans |
Many of these can be layered — for example, an FHA loan combined with HIP 80 assistance and an MCC. I’ll walk you through exactly which combination fits your income, credit, and target price.
Military Buyers: You Can Use These Too
Most of these programs aren’t restricted to a specific loan type — a VA loan can often be paired with local down payment or closing cost assistance where you qualify by income.
Common Questions
Frequently Asked Questions
Often yes — many San Antonio programs are designed to stack with each other and with FHA, VA, or conventional loans.
Some operate on funding cycles, which is exactly why starting the conversation early matters.
Some are first-time-buyer specific; others allow repeat buyers. Eligibility varies by program — I’ll check your specific situation against all of them.
See Every Program You Qualify For
One conversation, real numbers — no guesswork.
Important Disclaimer — Please Read Before Acting on Any Information on This Page
For Informational Purposes Only. The down payment assistance program information provided on this page is intended solely for general educational purposes and to help San Antonio first-time homebuyers become aware of programs that may be available to them. This content does not constitute financial, legal, or mortgage advice of any kind.
Program Details Change Frequently. Down payment assistance programs — including income limits, purchase price limits, credit score requirements, funding availability, interest rates, and repayment terms — are subject to change at any time without notice. Programs may be paused, modified, or discontinued based on funding cycles and policy changes. The information on this page reflects general program descriptions at the time of writing and may not reflect current terms.
Always Verify Directly. Before relying on any program listed on this page for your home purchase decision, you must independently verify all program details, eligibility requirements, and availability by contacting the administering agency directly: TSAHC (tsahc.org), TDHCA (tdhca.state.tx.us), SAHA (saha.org), and HUD (hud.gov).
Consult a Licensed Mortgage Professional. Only a licensed mortgage lender or mortgage broker who participates in these programs can determine your actual eligibility, confirm current program availability, and provide you with a formal loan estimate. [Agent Name] is a licensed Texas real estate agent — not a mortgage lender, loan officer, financial advisor, or attorney. Nothing on this page should be construed as a loan offer, pre-qualification, or guarantee of eligibility for any program.
No Guarantee of Results. Eligibility for any down payment assistance program depends on your individual financial profile, including income, credit history, debt load, employment status, and other factors that only a licensed mortgage professional can fully assess. Past results described on this site (e.g., buyers who closed with minimal out-of-pocket costs) reflect individual circumstances and are not guarantees of future outcomes.
Real Estate Agent Role. Frank Duran can help you understand your options, refer you to experienced, DPA-approved lenders in San Antonio, and guide you through the home-buying process. However, the agent cannot originate loans, determine mortgage eligibility, or make representations on behalf of any lending institution or government agency.
Last reviewed: 2026. Information is subject to change. If you believe any information on this page is outdated or inaccurate, please contact us so we can promptly review and update it.