Down Payment Assistance Programs

HOMEBUYER EDUCATION CLASS

A monthly class is provides education to homebuyers who have home ownership as a goal. The class covers the entire home buying process with special emphasis on the down payment assistance programs offered by the City of San Antonio.

Presentations help homebuyers understand credit, how to get a mortgage loan from a lender, how to shop for a home and what to expect though out the process. This class is a first step for many people who want to become homeowners.

Space in the class is limited and seating must be reserved in advance.

How to register: Homebuyer classes in English are offered twice per month at different locations. Click here to view dates and register for Option 1, and click here for Option 2. 

Haga clic aquí para registrarse para la próxima clase de educación para compradores de vivienda en español.

ONLINE HOMEBUYER EDUCATION CLASS

Complete your Homebuyer Education Class online! Click here to get started. This course is provided by an outside agency and you will need to get your certificate of completion from the agency providing the class. Please follow the instructions.

want to learn more?

Submit your name here to receive more information.

Click here for more tools and resources for homebuyers.

Ready to apply for down payment assistance?
    

Homeownership Incentive Program (HIP)

The Homeownership Incentive Program (HIP) provides assistance to homebuyers in the general public by lending between $1,000 and $12,000 as a 0% interest / no payments second loan which can be used for the down-payment required by your lender and some of the additional costs associated with purchasing a home. 75% of the loan will be forgiven over a 10-year period. Only homes located within the city limits of San Antonio are eligible for this program.

Information for buyers

INFORMATION FOR Lenders

First Responders Homebuyer Assistance Program (FRHAP)

The First Responders Homebuyer Assistance Program (FRHAP) provides assistance to City of San Antonio uniform police and fire employees by making a 0% interest or no payments second loan in an amount of $7,500 or $15,000. The second loan can be used for any combination of the down-payment required by your lender and some of the additional costs associated with purchasing a home. Homes located inside the San Antonio City limits are eligible for $7,500. Only homes located in the Community Revitalization Action Group (CRAG) area are eligible for $15,000.

RELATED DOCUMENTS

Homeownership Program for Employees (HOPE)

The Homeownership Program for Employees (HOPE) provides assistance to full-time civilian employee homebuyers by making a $5,000 or $10,000 0% interest or no payments second loan. This loan is forgiven over five years and can be used for any combination of the down-payment required by your lender and some of the additional costs associated with purchasing a home. Only homes located in the Community Revitalization Action Group (CRAG) area or the Inner City Reinvestment/Infill Policy (ICRIP) area are eligible for this program.

RELATED Information

Information for Buyers

General Information (PDF)

Information for Lenders

Guidelines (PDF)