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First-time home buyer programs in San Antonio, TX

Quick answer

First-time buyers in San Antonio, TX can use 3%-down conventional loans (up to the $832,750 Bexar County conforming limit), 3.5%-down FHA, or VA and USDA where eligible, plus 1 verified city, county or statewide assistance program. On the $219,700 median home, 3% down is about $6,591 and the estimated payment is $2,060/month at 7.18%.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $62,917; value-to-income ratio 3.49. San Antonio ranks 153 by home value and 2 by population among 267 places in our TX dataset.

What does a first-time buyer loan cost on a typical San Antonio home?

ItemSan Antonio
Median home value (Census ACS)$219,700
Texas median home value$260,400
Down payment (3%)$6,591
Loan amount$213,109
Estimated monthly payment (PITI + MI)$2,060
Income needed (28% / 36%)$89,000 / $69,000
Bexar County 2026 conforming limit (1 unit)$832,750
Max purchase price at the limit$858,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Texas's 1.58% effective property tax rate (Census ACS), $2,864/yr homeowners insurance (NAIC state average) and an estimated 0.5% PMI.

What is the 2026 conforming loan limit in San Antonio?

San Antonio is in Bexar County. Conventional 3%-down loans go up to the $832,750 conforming limit (price ≈ $858,000); FHA loans go up to $557,750.

The San Antonio median home value of $219,700 is 16% below the Texas median, and within what the county limit supports.

Which down payment assistance programs can San Antonio buyers use?

First-time buyer loans in nearby cities

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First-time buyer loan FAQs for San Antonio

On the $219,700 median: 3% conventional ≈ $6,591, 3.5% FHA ≈ $7,690, and 0% for eligible VA or USDA buyers. Conventional loans above $832,750 in Bexar County become jumbo loans.

At the $219,700 median value (below the Texas median of $260,400), the estimated payment of $2,060/month at 7.18% needs about $89,000 a year under the 28% housing guideline, or $69,000 if your total debts stay under 36%.

1 city-level, 0 county-level and 0 statewide programs are verified for this city (1 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 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.