Homeownership Incentive Program (HIP 80) (TX): Amount, Requirements & How to Apply

Homeownership Incentive Program (HIP 80)

Quick answer

Homeownership Incentive Program (HIP 80) is a Texas down payment assistance program from City of San Antonio Neighborhood and Housing Services Department. It provides Between $1,000 and $30,000 as a forgivable loan. It is aimed at first-time buyers. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

Eligibility notes

0% interest second loan, no payments; $1,000-$15,000 portion forgiven over 5 years, $15,001-$30,000 portion forgiven over 10 years; price limits $260,000 existing / $284,000 new construction; 2026 income limits posted (1 person $56,350 to 8 persons $106,300); first-time requirement per HIP 80 general information sheet; open status not stated.

Where does Homeownership Incentive Program (HIP 80) apply?

This city-level program is available to buyers in San Antonio. Cities on our site where it applies:

Down payment assistance in San Antonio

Detail	Program terms
Assistance	Between $1,000 and $30,000
Type	Forgivable loan
Minimum credit	Not published on the program page
First-time buyer	Required
Income limits	not stated

How does Homeownership Incentive Program (HIP 80) work with an FHA loan?

Texas's 2026 FHA one-unit limits start at $541,287, which supports a price of about $560,000 with 3.5% down.

Where do I confirm current terms?

On the official page: https://www.sa.gov/Directory/Departments/NHSD/Housing-Support/Homeowner-Support/HIP. Programs can pause when funds run out, so confirm availability with a participating lender.

← All Texas down payment assistance programs

Frequently asked questions

Between $1,000 and $30,000, according to City of San Antonio Neighborhood and Housing Services Department.

It's a forgivable loan: forgiven if you meet the occupancy period, otherwise repaid.

not stated

Sources

Data last updated October 25, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.