Homeownership Incentive Program (HIP 120)
City of San Antonio, Neighborhood & Housing Services Dept.
About This Program
The Grant Map catalogs Homeownership Incentive Program (HIP 120) in its San Antonio, TX research directory. Directory placement does not confirm current service coverage or eligibility; verify both with the program administrator.
HIP 120 provides down payment and closing cost assistance of $1,000-$15,000 as a 0% interest forgivable second lien to income-qualified first-time homebuyers purchasing within San Antonio city limits. The loan is 75% forgivable over 10 years with the remaining 25% as a perpetual lien. Buyers must complete an 8-hour HUD-approved homebuyer education course.
Income must be ≤120% AMI; purchase price caps $305,200 (existing) / $325,800 (new)
Record set last reviewed 2026-04-03. How we verify our data.
Other published resources for San Antonio, TX, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- NHSD Owner-Occupied Rehabilitation Program Up to $75,000 (deferred forgivable loan)
- Minor Home Repair Program Up to $25,000
- Under 1 Roof Program Full roof replacement (cost varies)
- Rehabarama Program Up to $25,000
Key Details
- First-time homebuyers only (no ownership in prior 3 years)
- Income ≤ 120% AMI; limits range ~$81,150-$153,000 by household size
- Minimum $500 earnest money deposit required
- 8-hour HUD-approved homebuyer education course required
- Must purchase within San Antonio city limits
How to Apply
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Track this programProgram phone: 210-207-6459
Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
You may need a contractor or estimate
Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in San Antonio.
Get matched with a contractorOur record classifies the structure as a forgivable loan. Confirm repayment, forgiveness, residency, and any lien terms with the administrator.
Each administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.
Your application paperwork
Documents you will likely need
- Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
- A government-issued photo ID for every owner on title.
- Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
- A written estimate from a licensed contractor for the work (many programs require this to apply).
- Photos of the problem area or the work to be done.
- The program's own application form, completed (use the official link or phone number on this page).
Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Open, ongoing
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Frequently asked questions
What amount is listed for Homeownership Incentive Program (HIP 120) in San Antonio, TX?
The Grant Map record states: Up to $15,000 down payment / closing cost assistance. Confirm the current amount and eligible costs with the administrator.
How do I apply for Homeownership Incentive Program (HIP 120) in San Antonio, TX?
Confirm the application route directly with City of San Antonio, Neighborhood & Housing Services Dept.; use the cited source on this page as a starting point or call 210-207-6459. Confirm any fee or cost with the administrator.
Need a Contractor for This Project?
Browse local listings or request an introduction. The Grant Map does not guarantee licensing, program experience, work quality, or funding.
More ways to save on this project
Rebates and discounts that may reduce project cost. Confirm eligibility and coordination rules before including one in your budget.
Find More Programs in San Antonio, TX
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
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