Buying your first home in San Antonio
Local details for first-time buyers, with sources you can check.
By Grant Martin, NMLS 2849522. Updated November 2026.
San Antonio buyers should look at city assistance through the Homeownership Incentive Program, statewide Texas programs and, for those who've served, VA loans. Check your property tax rate by address, because it changes across the area.
If you've served
San Antonio is a major military city. If you're an eligible veteran, service member or surviving spouse, ask about VA loans first. Texas also has property tax exemptions for certain disabled veterans, so check with the appraisal district.
City assistance
The city's Homeownership Incentive Program, known as HIP, has offered down payment and closing cost help to eligible first-time buyers purchasing inside city limits. Published documents list different amounts and limits by program version, so confirm current figures with the city's Neighborhood and Housing Services Department.
Property taxes
Most of the city is in Bexar County. Your rate depends on the county, city, school district and any special districts. Look up the address with the Bexar Appraisal District, then apply for a homestead exemption once you've moved in.
Common follow-up questions
Does San Antonio have down payment assistance?
The city has offered its Homeownership Incentive Program for eligible buyers inside city limits. Confirm current amounts and limits with the city.
Want this applied to your situation?
Grant can walk through your numbers and options with you.
Sources
General information only. Rules, programs and funding can change. All loans are subject to credit approval and underwriting, and not every program is available through every lender.