Homeownership Incentive Programs (HIP)

HIP 120 Details & Eligibility

HIP 120 lends between $1,000 and $15,000 as a 0% interest / no payments second loan. It can be used for the down-payment required by your lender and some of the additional costs associated with purchasing a home.

25% of the loan will be perpetual.
75% of the loan will be forgiven over a 10-year period.

Home Purchase Price Limits

Existing Home: $305,200
New Construction: $325,800

2025 Household Income Limits

Updated by the Department of Housing & Urban Development. Combined household income needs to be below income limits.

Household	Income
1 Person	$81,150
2 Person	$92,750
3 Person	$104,350
4 Person	$115,900
5 Person	$125,200
6 Person	$134,450
7 Person	$143,750
8 Person	$153,000

HIP 80 Details & Eligibility

HIP 80 lends between $1,000 and $30,000 as a 0% interest / no payments second loan. It can be used for the down-payment required by your lender and some of the additional costs associated with purchasing a home.

100% of the loan between $1,000 - $15,000 will be forgiven over a 5-year period
100% of the loan between $15,001 - $30,000 will be forgiven over a 10-year period

Home Purchase Price Limits

Existing Home: $263,000
New Construction: $278,000

2025 Household Income Limits

Updated by the Department of Housing & Urban Development. Combined household income needs to be below income limits.

Household	Income
1 Person	$54,150
2 Person	$61,850
3 Person	$69,600
4 Person	$77,300
5 Person	$83,500
6 Person	$89,700
7 Person	$95,900
8 Person	$102,050

HIP 120 Process

Step 1.Qualify for a Mortgage

Qualify for a 1st lien mortgage through your lender.

Resources for Buyers

Resources for Realtors

Realtor's Information Sheet(PDF, 747KB)

Step 2.Take a Homebuyer Education Class

Step 3.Check Your Location

Home purchased must be within the City limits of San Antonio.

Use our city map to see if your home is within city limits.

Step 4.Make a Deposit

Homebuyers must make a minimum $500 earnest money deposit on the purchase contact.

Step 5.Lender Completes the Process

NHSD will work with the home buyer’s mortgage lender to request and complete a HIP loan.

Resources for Lenders

HIP 80 Process