San Antonio & Bexar County Down Payment Assistance
San Antonio is a military city with some of the most affordable prices of any big Texas metro, so down payment assistance goes far here. Here is how TDHCA and TSAHC work across Bexar County, including the Homes for Texas Heroes track for the military.
How DPA works in Bexar County
San Antonio pairs affordability with a huge military presence, and both shape how down payment assistance is used here. The San Antonio–New Braunfels HMFA (Bexar, Comal, Guadalupe, Bandera, Wilson) carries a $104,725 income limit for a couple and $120,434 for a larger household, with a purchase-price cap of $583,580 in non-targeted areas. Because San Antonio prices stay lower than Austin or Dallas, the 2% to 5% assistance from TDHCA or TSAHC covers a large share of a typical purchase. A 620 credit score qualifies.
Buying across San Antonio
Bexar County gives buyers wide choice under the cap. The far west and south sides, the areas around Lackland and Kelly, and the northeast toward Converse and Universal City hold affordable homes. Growth has pushed into Comal County (New Braunfels), Guadalupe (Schertz, Cibolo, Seguin), and the north-central suburbs. Very little of the San Antonio market approaches the TDHCA price cap, so first-time buyers have room to shop across the metro.
Joint Base San Antonio and the Heroes track
San Antonio is Military City USA, home to Joint Base San Antonio (Fort Sam Houston, Lackland, Randolph). That makes TSAHC’s Homes for Texas Heroes especially valuable here: veterans and active military qualify, the income limits are higher than the general program, and veterans have the first-time-buyer requirement waived. Pair a VA loan with a Heroes deferred forgivable second covering closing costs, and a military family can buy with very little cash. See our VA + Texas DPA page.
TDHCA income and purchase-price limits vary by county/MSA and are current per the TDHCA limits page; TSAHC limits are on tsahc.org. Figures change; confirm your county before relying on one. See our eligibility page.
Common questions
What is the income limit for down payment assistance in San Antonio?
The TDHCA San Antonio-New Braunfels HMFA income limit (Bexar, Comal, Guadalupe, Bandera, Wilson) is $104,725 for a 1-2 person household and $120,434 for 3 or more. TSAHC limits are higher and set separately.
Is there down payment help for military families in San Antonio?
Yes. TSAHC's Homes for Texas Heroes covers veterans and active military, with higher income limits than the general program and the first-time-buyer requirement waived for veterans. It pairs well with a VA loan near Joint Base San Antonio.
How affordable is buying in San Antonio with assistance?
San Antonio has some of the lowest prices of any large Texas metro, well under the $583,580 TDHCA cap. The 2% to 5% TDHCA or TSAHC assistance covers a large share of a typical Bexar County down payment and closing costs.
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