Quick answer
Assistance can help, but it is never automatic. Confirm eligibility, funding, lender participation, income limits, purchase price limits, education requirements, and whether the program timeline works with your contract.
| Program | What it may help with | What to verify | Source |
|---|---|---|---|
| City of San Antonio HIP | Down payment and eligible closing costs for income-qualified first-time buyers purchasing inside San Antonio city limits. | HIP 80/HIP 120 funding, income band, price cap, education, lender process, and forgiveness/second-loan terms. | sa.gov HIP |
| TSAHC | Fixed-rate mortgage programs with down payment assistance for eligible first-time and repeat Texas buyers. | Income, purchase price, credit score, approved lender, education course, assistance type, rate lock. | tsahc.org |
| NHSSA | Down payment and closing cost assistance, often up to about $12,000, for eligible local buyers. | Deferred lien terms, income limits, education/counseling, funding, geography, lender compatibility. | nhsofsa.org |
| TDHCA / My First Texas Home | 30-year fixed-rate mortgages with up to about 5% down payment/closing cost assistance for eligible first-time buyers. | Program matrix, lender, credit score, purchase price, income, MCC eligibility, targeted-area rules. | welcomehome.tdhca.texas.gov |
How Rodney helps
Rodney does not administer these programs or promise funds. He helps buyers organize the right questions, coordinate with the lender, and avoid shopping in a way that conflicts with assistance-program rules.