Estimate how your income and proposed home price compare with HIP 80 and HIP 120 guidelines. New fiscal-year 2026 applications are not currently being accepted.
You’re in the right place.
Our quick eligibility calculator will help you determine if you meet the basic requirements for HIP 80 or HIP 120—including income limits, home price caps, and more.
Whether you're considering a new or existing home, this tool gives you a preliminary comparison with published program limits.
Take 2 minutes to check your eligibility—no signup required.
Using the HIP calculator is just the first step toward owning a home in San Antonio with help from the city. Once you confirm you're likely eligible for HIP 80 or HIP 120, you’ll need to:
Get pre-qualified for a first lien mortgage (FHA, VA, or Conventional).
Complete a HUD-approved 8-hour homebuyer education class.
Choose a home within San Antonio city limits that meets the program’s guidelines.
Monitor the City of San Antonio program page for application availability and work with your lender when funding is open.
Make a $500 earnest money deposit as part of your purchase contract.
Each of these steps is designed to set you up for success—not just to get a home, but to keep it long-term. Ready to keep moving forward? We’ll show you how.
The Homeownership Incentive Program isn’t just about helping you buy a house—it’s about making homeownership more accessible, stable, and sustainable for San Antonio residents.
Up to $30,000 in assistance means you bring less cash to closing.
Forgivable loans with 0% interest—no monthly payments required.
Backed by the City of San Antonio, so you know it’s legitimate and secure.
Tailored for real families, not just ideal applicants.
Flexible enough to fit your life, whether you’re buying new construction or an older home.
Thousands of San Antonians have used HIP 80 and HIP 120 to buy their first home—this program could be your key to doing the same.
If the calculator showed you may qualify for HIP 80 or HIP 120, you're already ahead of the game.
Now it’s time to take action: get pre-qualified with a lender, enroll in a homebuyer education class, and start your home search with confidence.
The City of San Antonio is investing in your future—don’t leave this opportunity on the table.
You’re closer than you think to owning your first home. Let’s make it happen.
