San Antonio Area Home Down Payment Assistance

At the Texas State Affordable Housing Corporation (TSAHC), we help people in San Antonio and throughout the state of Texas purchase a home. We are a nonprofit organization that was created by the Texas Legislature to help Texans achieve their dream of homeownership. 

The San Antonio area is booming. That’s why we have programs and resources for Texans who want to buy a home there.  

Are You Eligible for Our Programs?

To qualify, you must have a credit score of 620 and meet certain income requirements. 

The first step to see if you qualify is to take our online Eligibility Quiz. It only takes a few minutes and you don’t need to fill out any paperwork. The quiz will let you know if you meet the program requirements and if so, the types of assistance you qualify for.   

Eligibility Quiz 

Two Home Buyer Programs: Which is Right For You?

Your lender will help you determine which TSAHC program you qualify for.  Both programs offer the same assistance options. 

“Homes for Texas Heroes” Program
If you’re in a hero profession, this is the home loan program for you. Hero professions include:

  • Professional educators, which includes the following full-time positions in a public school district: school teachers, teacher aides, school librarians, school counselors, and school nurses 
  • Police officers and public security officers 
  • Firefighters and EMS personnel
  • Veterans or active military
  • Correction officers and juvenile corrections officers
  • Nursing faculty and allied health faculty

“Home Sweet Texas” Home Loan Program
If you don’t qualify under one of the professions listed above, this is the best program for you. This program offers the same benefits as the Home for Texas Heroes Program. 

What Kind of Help Does TSAHC Offer?

If you qualify for our programs, TSAHC will provide you with a mortgage loan and funding to use for your down payment. You can choose to receive the down payment assistance (DPA) as a grant (which does not have to be repaid) or a deferred forgivable second lien loan (which only has to be repaid if you sell or refinance within three years). 

Are You A First-Time Home Buyer?

If you are buying your first home, you can also apply for a mortgage interest tax credit known as a Mortgage Credit Certificate (MCC). To qualify, you must meet certain income requirements and the home must meet certain sales price restrictions.

Learn more about Mortgage Credit Certificates

The Eligibility Quiz will also help you determine if you qualify for an MCC.

Eligibility Quiz 

Ready to Start?

The first step is to take our quick online Eligibility Quiz. This quiz will tell you whether you’re eligible for our assistance. 

If you are eligible, the quiz will then direct you to contact a participating lender in your area.  The lender will help you fill out the application.  You will not submit anything directly to TSAHC. 

You will also be required to complete an approved home buyer education course before closing on your home.  We don’t require you to work with a specific REALTOR®, but you can use this search tool to find a REALTOR® familiar with our programs. 

Homebuyer Success Stories in the San Antonio Area

Jasmine and Adam Luszczak

Jasmine and Adam Luszczak wanted desperately to raise their family in a home of their own in San Antonio.  As a military family used to traveling frequently, they craved the stability that homeownership provides.  Due to rising home prices, however, they needed some assistance with the down payment. To help them overcome their down payment hurdle, loan officer Kristin Graham (AnnieMac Home Mortgage) and REALTOR Jennifer Ward (Keller Williams) introduced them to TSAHC’s Homeownership Programs.  

“We’re so thankful for Kristin, Jennifer and everyone at TSAHC for helping make our homeownership dreams a reality. Not only do we have a safe, beautiful home to watch our kids grow up, but we are finally able to take advantage of all the financial benefits of homeownership as well.”

Franscisco Vargas Walker

Initially, Francisco Vargas Walker went to a home builder to purchase a home. The builder’s preferred lender did not provide any type of down payment assistance programs and Francisco had limited funds available. So, he sought out help and came across The Josh Allyn Team and TSAHC’s homeownership programs. TSAHC provided him with the funds he needed, at a low fixed interest rate, and all with a no hassle process.