The Neighborhood Housing Services of San Antonio provides up to $20,000 in down payment and closing cost assistance to eligible first-time homebuyers in Bexar County for the purchase of their home. Our assistance is in the form of a second mortgage, meaning that it is a loan that is paid back over time. Once you are pre-approved for your home loan, we work with your lender to determine the level of assistance needed for your down payment and/ or closing costs. 

We know that saving for a down payment can be challenging, so let us help you reach that goal of homeownership sooner!

Potential homebuyers must meet all program eligibility guidelines and requirements including: 

• First-Time homebuyer
• Obtain a 1st lien mortgage with a participating lender
• US citizen or permanent resident 
• Purchase home in Bexar County 
• Minimum credit score of 580 
• Fall within the income guidelines. Income guidelines can be found here, Down Payment Assistance.
• Complete a HUD approved Homebuyer Education Class 

• For Prospective Homeowners