Apply for a Home

Homebuyer Program

Habitat for Humanity of San Antonio is an ecumenical Christian organization working in partnership with God’s people in need of a decent and affordable home. Habitat builds new 3- & 4- bedroom homes. Each home has two full baths and costs approximately $145,000.
We offer a 15-to-25-year loan with NO INTEREST! Payments start as low as $900 a month (including homeowner’s insurance and property taxes). A non-refundable $2,250 down payment is required (covers first-year homeowner’s insurance, property taxes, and closing costs). An additional non-refundable down payment amount is required for any home options selected at the Lot Selection process.
Once in the program, 300 sweat equity hours of time and labor must be invested in your home as well as homes of other Habitat households. Homeowners attend required homeowner education meetings.
It takes an average of 9 – 12 months to complete the program.
To start the pre-qualification process, fill out the form: click here. (redirects to Apply for a Home)
To see where we’re currently building Habitat homes click here. (Redirect to Where We Build Page)
  • Low-interest mortgage with affordable monthly payments – no more than 31% of your household income.
  • Homebuyer education classes prepare you for the responsibilities of homeownership.
  • We are a trusted partner. Habitat for humanity of San Antonio and Guadalupe Valley has helped more than 1,400 families buy an affordable home.
  • Not financially ready yet? Habitat provide future homeowners with the coaching, education, and support to be successful in their homebuying journey. Check out our videos below to learn more about our program.

step 1

Qualification Checklist

You must meet all the following requirements to qualify for the program:

  • Have a need for affordable housing by meeting the income guidelines
  • Includes income from Social Security, SSI, child support, and/or employment income.
  • Does not include TANF, Unemployment, or Food Stamps.
  • Have a clear marital status. No Separation. Acceptable statuses include: Divorced, Single, Widowed, Married.
  • Have a workable credit history. No established credit will not affect eligibility. We do not use a credit score*.
  • Medical and dental bills are not counted against you!
  • Have 3 years stable income history.
  • Be a permanent resident of Bexar County with proof of Social Security number.
  • Be a first-time homebuyer or not have owned a home within the last three (3) years.
  • Be willing to partner with Habitat by participating in sweat equity and homeowner education meetings.

*We pull credit reports to ensure workable credit history. Not having established credit will not affect eligibility. We do not use credit scores but do check for collection accounts and timely payments. Applicants whose credit reports show collections or accounts with past-due balances will need to resolve these issues before qualifying for the program.

step 2

Residency Requirement

Do you live in Bexar County or an adjacent county?

Continue to Step 3 and complete a pre-qualification Mortgage Counseling Questionnaire online, mail-in printed PDF, or visit our office.

Habitat for Humanity of San Antonio only accepts applications for families who live in Bexar County, Texas and adjacent counties.

step 3

Pre-Qualification

To apply – complete a pre-qualification Mortgage Counseling Questionnaire online, mail-in printed PDF, or visit our office.

Our office hours are Monday – Friday from 8:30 am to 4:30 pm. Once we have received your form, you will receive a response by mail within 3-4 weeks.

For questions please contact:

Family Services Department
311 Probandt, San Antonio, TX 78204
Phone: 210-223-5203
Fax: 210-223-5536

Office Hours: (Monday – Friday) 8:30 am – 4:30 pm
(*Please note: Closed at 1 pm on Fridays during the summer*)