Home Repair Programs - Citywide
The Minor Repair & Owner-Occupied Rehab Program Application process is closed.
Staff is currently processing 2021 applications selected through the lotter process for both programs.
NHSD does not keep a waiting list for the Minor Repair or Owner-Occupied Rehab Program. Homeowners not selected in the lottery are encouraged to reapply the following year.
Check this website in September 2021 when program information and applications may be available for Fiscal Year 2022.
Under 1 Roof Program
The Under 1 Roof Program replaces worn and damaged roofs with new, energy-efficient white shingle roofs for
qualified homeowners. The City of San Antonio will place a restrictive covenant on the property requiring homeowners to maintain ownership and occupancy for five (5) years after project completion.
For your health and safety, you are encouraged to submit applications and required documentation by mail to:
Neighborhood & Housing Services Department
Attn: Under One Roof
1400 S. Flores
San Antonio, TX, 78204
To minimize lobby traffic, any in-person submissions must be made by appointment. To schedule an appointment at 1400 S. Flores, call 210.207.6459
Applications can also be submitted at the Financial and Housing Recovery Center located at the Central Library,
600 Soledad Street. Appointments are required. To schedule an appointment at the Financial and Housing Recovery Center, call 210.207.2275.
Program Eligibility Requirements
- Property must be a single-family home within San Antonio city limits (Districts 1-10)
- Homeowner must have a current year Homestead Exemption on the property
- Homeowner must be current on property taxes, payment plan, or have an active deferral
- Homeowner must be a US citizen or Legal Resident
- Property must be solely owned and occupied (all owner(s) must reside there)
- Homeowner must have clear title with no federal or state tax liens or judgments
- Home must be less than 1,700 sq. ft.
- Household gross income must not exceed 80% of the Area Median Income (AMI) as established by HUD, unless the homeowner is over 62 years old, disabled, or a veteran
- Homeowners who are over 62 years old, disabled, or veterans do not have to meet income limits to qualify, but are still required to submit income documentation.
- Property must not have metal roof, gravel roof, clay tiles, or wood shingles
- If insured, homeowner must not have received insurance payout for full roof replacement claims in the last five (5) years. Claim documentation must be submitted.
- All complete applications will be processed in the order they are received, until funding is exhausted. Under 1 Roof is not an emergency roof replacement program and application processing can take up to eight months, depending on demand.
- Final eligibility is determined upon roof assessment performed at the property by City staff, third-party inspector, or contractor.
- Roofs requiring structural repairs are not eligible for Under 1 Roof.
- Properties in need of significant repairs or full rehabilitation may be denied from the program.
- All Under 1 Roof projects use white, 3-tab asphalt shingles and reflective radiant barrier underlayment to increase energy savings and overall energy efficiency of the home.
- Roof replacement is limited to the primary house on the property. Roofing on detached structures will not be replaced (no detached garages, car ports, sheds, etc.).
- Under 1 Roof is one-time grant, not to exceed $14,000 per household.
- City staff will review insurance claim history from the last five years to confirm eligibility.
MINOR REPAIR PROGRAM
The application process is closed for this program year.
This program addresses health and safety items such as plumbing, electrical, non-working utilities, broken windows, damaged doors or other items in need of repair.
Owner-Occupied Rehabilitation and Reconstruction Program (OOR)-Council Districts 1-7 Only
The Application process is closed for this program year.
The Owner-Occupied Rehabilitation Program assists qualified homeowners with low to moderate income rehabilitate their substandard and non-code compliant residential properties by providing deferred forgivable loans to cover the cost of the needed repairs. These repairs focus on health and safety, accessibility, and major system concerns.
Program Eligibility Requirements
- Homeowner must be a US citizen or Legal Resident
- Homeowner must have clear title and must occupy property
- Property value with rehabilitation cannot exceed $178,500
- Mortgage loans must be current, mortgage balance and home’s square footage may impact eligibility
- Property must be an owner-occupied, single-family home
- Property must be within City Council District 1-7
- Homeowner and property must be clear of liens or judgment, except for mortgages
- Property taxes must be current; taxes in arrears, deferrals and payment plans are not eligible
- Property must be designated a Homestead with the Bexar County Appraisal District
- Utility bills must be in the homeowner's name
- Rental properties, mobile homes and duplexes are not eligible
- Chapter 7, Chapter 13 bankruptcy, reverse mortgage loans are not eligible
- Homeowner is not eligible if an existing HUD or City funded rehabilitation contract exist for: Down Payment Assistance or OOR restrictive covenant, excluding lead-based paint remediation
- Household gross income must be at or below 80% of the Area Median Income (AMI) limits:
Program Terms and Requirements
Assistance is a deferred forgivable loan to homeowner (repayment not required & percentage forgiven annually).
|Amount of Assistance
|$5,001 to $50,000
- If property is vacated, leased, or sold during the contract period: balance becomes due & payable
- Site Inspection will determine the amount of assistance needed and repair cost
- Lien: Deed of Trust and Restrictive Covenant will be recorded at the Bexar County Clerk’s Office
- Homeowner’s property insurance must be maintained throughout the entire contract period
- Homeowner MUST move out prior to the start of rehabilitation for 3-6 months
- Homeowner is responsible for moving and temporary housing living expense
- Property taxes and homeowner’s insurance must be maintained for the entire contract period
- Flood Insurance required if property is located in a flood zone
- Contract period is determined by rehabilitation amount invested into the property
To apply for assistance click on the following:
Green & Healthy Homes
The City of San Antonio’s Green and Healthy Homes (SAGHH) provides assistance to owners and landlords of residential properties (both single-family and multi-family ) in creating healthy, safe, energy-efficient and sustainable homes for families and children. The SAGHH is working to prevent and correct housing-related health and safety hazards, such as addressing lead-based paint, household asthma triggers and fire hazards.
- House must be built prior to 1978; AND
- House must be located within the City of San Antonio; AND
- A child age 5 and under must reside in the home or spend at least 6 hours per week in the home; AND
- Have a clear title to property; AND
- Must be current with property taxes; AND
- Household must meet HUD established Income Guidelines for families earning 80% or below of Area Median Income.
City of San Antonio, Neighborhood and Housing Services Department
Phone: 210.207.GHHI (4444)
Interested in applying for the SAGHH Program? Click on our application below:
The following additional programs, not administered by NHSD, are available to residents. Please contact the agency listed for more information.
S.T.A.R. (Students Together Achieving Revitalization)
Assists property owners with repairs to windows and screens, siding, and porches, as well as provides general yard maintenance and exterior painting. This is a free service to eligible property owners.
Agency: City of San Antonio, Office of Historic Preservation
Website; S.T.A.R. (Students Together Achieving Revitalization)
Provides free weatherization and energy efficiency upgrades for income-qualified renters and owners.
Agency: CPS Energy
Website: Casa Verde
Fair Housing Counseling
HUD-approved housing counseling agency which provides services to tenants, homeowners, and landlords, including investigation of discrimination complaints, mediation, plan reviews for accessibility, and more.
Agency: City of San Antonio, Department of Human Services
Website: Fair Housing Program