NHSD Owner-Occupied Rehabilitation Program

About This Program

The NHSD Owner-Occupied Rehabilitation Program provides deferred forgivable loans to income-qualified San Antonio homeowners to rehabilitate substandard or non-code-compliant properties. Repairs prioritize health, safety, accessibility, and major system concerns such as electrical, plumbing, roofing, and HVAC. The 2022–2027 City bond program allocated $45 million toward owner-occupied rehabilitation activities.

Loan amount determined by scope of repairs; forgiven over time if owner occupies

Key Details

• Income ≤ 80% of Area Median Income (AMI)
• Must have current-year homestead exemption and clear title
• Property must be within San Antonio city limits
• Deferred forgivable loan — no monthly payments while owner-occupied
• Apply at webapp1.sanantonio.gov/NHSDRehPro

How to Apply

Deadline: Open — waitlist, first-come first-served