First-Time Buyer Specials
FIRST-TIME HOMEBUYER SPECIALS
First-time buyers can access down-payment assistance, closing-cost help, special financing programs, and other opportunities designed to make the path to homeownership easier.
You've worked hard to get here. We want to help make your first home feel closer.
Buying your first home is a major milestone. We're here to help you make the most of the programs and assistance designed to help first-time buyers get there.
Programs, incentives, rates, assistance amounts, inventory, and eligibility requirements can change without notice. Steven & Deborah are real estate professionals, not the lender or program administrator. Final eligibility and financing terms are determined by the applicable lender, agency, builder, property owner, or program provider.
First-Time Buyer Special Qualification
Answer a few quick questions and we'll help you determine which options fit your situation.
Programs & Opportunities to Know About
Current, verified programs. Status is shown so you know what's available right now.
My First Texas Home
ACTIVEEligible first-time buyers may have access to mortgage and down-payment/closing-cost assistance through participating lenders.
Last Verified: 2026-08-01
My Choice Texas Home
ACTIVESome assistance options may also be available to non-first-time buyers depending on eligibility.
Last Verified: 2026-08-01
San Antonio Homebuyer Assistance (HIP 80 / HIP 120)
CURRENTLY PAUSEDCity of San Antonio homebuyer assistance programs that may provide down-payment and closing-cost help for eligible buyers.
Get notified if funding reopens.
Last Verified: 2026-08-01
Why It Matters
The right opportunity can change what your next move looks like.
Down-Payment Assistance
Programs that may help cover part of your down payment.
Closing-Cost Help
Options that may reduce the cash needed at closing.
Low-Down-Payment Loan Options
Loan programs designed to make buying more accessible.
Credit / Lender Opportunities
Lender credits that may lower upfront costs.
Understanding Buying Power
See what you may be able to afford before you shop.
Buying vs Renting
Compare the real cost of owning versus continuing to rent.
Is This for You?
First-Time Buyers
Buying your very first home.
Haven't Owned in 3+ Years
You may qualify as a first-time buyer under program rules.
Renters Ready to Own
Moving from renting to homeownership.
Related Options
Explore other ways Steven & Deborah can help.
Questions & Answers
What counts as a first-time homebuyer?
Many programs define a first-time buyer as someone who has not owned a primary residence in the past three years, though definitions vary. We help you confirm which programs you may qualify for.
Is the San Antonio HIP program available right now?
The City of San Antonio's homebuyer assistance programs have been paused at times due to funding. We monitor status and can notify you if funding reopens.
Do I need perfect credit to use these programs?
Not necessarily. Each program and lender has its own credit requirements. Pre-approval helps clarify where you stand and which options may be available.
Can I combine assistance programs?
Some programs can be combined, while others cannot. We help you understand how programs interact and connect you with the right lender.
Programs, incentives, rates, assistance amounts, inventory, and eligibility requirements can change without notice. Steven & Deborah are real estate professionals, not the lender or program administrator. Final eligibility and financing terms are determined by the applicable lender, agency, builder, property owner, or program provider.
Ready to See What First-Time Buyer Programs May Be Available?
Start with a few details and we'll help you understand which opportunities may fit your situation.