Major Repair

Application Closed

Applicants that applied during the open period October – November 2023 will be notified in 2025.

This program assists qualified homeowners with low to moderate incomes to rehabilitate their properties by providing deferred forgivable loans to cover the cost of the needed repairs. These repairs focus on health and safety, accessibility, code compliance, and major system concerns.

Our major repair program can assist with home repairs such as:

Electrical
Plumbing
Heating + Cooling
Foundation/Structural
Windows and Doors

Apply

Step 1.Eligibility

Reside in a single-family, detached home within the city of San Antonio
Applicants must establish home ownership interest
Income limitation of 80% or below of Area Median Income
Have a clear property title – lien issues and/or judgments with a combined total less than $5,000 eligible
Have an active Homestead Exemption with Bexar County Appraisal District
Major Rehab projects require homeowner to be current on property tax payments and mortgage payments
Reverse mortgages not eligible
Proof of Homeowner/Fire Insurance

Step 2.Apply

Applications are closed.

Please sign up to be notified of the next open application period.

Stay Informed

Terms & Conditions

This program assists qualified homeowners with low to moderate income rehabilitate their properties by providing deferred forgivable loans to cover the cost of the needed repairs. These repairs focus on health and safety, accessibility, and major system concerns.

Assistance is a deferred forgivable loan to homeowner for which repayment is not required as long as the homeowner resides in the home, and a percentage forgiven annually based on the invested amount and length of term.

Amount of Assistance/Invested Amount	Length of Term
$0 to $50,000	10 years
Over $50,001	15 years
Reconstruction	20 years

Additional terms and conditions apply to program eligibility and requirements:

If property is vacated, leased, or sold during the contract period: balance becomes due & payable to the City with interest;
Site Inspection will determine the amount of assistance needed and repair costs;
Lien: Deed of Trust and Restrictive Covenant will be recorded at the Bexar County Clerk’s Office;
Homeowner’s property insurance must be maintained throughout the entire contract period;
Homeowner will be required to move out prior to the start of rehabilitation for 3-6 months;
Homeowner is responsible for moving and temporary housing living expense;
Property taxes and homeowner’s insurance must be maintained for the entire contract period;
Flood Insurance required if property is located in a flood zone; and
Contract period is determined by rehabilitation amount invested into the property.

Area Median Income (AMI)

2025

Percentage	1 Person	2 Person	3 Person	4 Person	5 Person	6 Person	7 Person	8 Person
30%	$20,300	$23,200	$26,100	$29,000	$31,350	$33,650	$36,000	$38,300
50%	$33,850	$38,650	$43,500	$48,300	$52,200	$56,050	$59,900	$63,800
60%	$40,620	$46,380	$52,200	$57,960	$62,640	$67,260	$71,880	$76,560
80%	$54,150	$61,850	$69,600	$77,300	$83,500	$89,700	$95,900	$102,050
100%	$67,700	$77,300	$87,000	$96,600	$104,400	$112,100	$119,800	$127,600

*AMI limits are updated annually by the Department of Housing and Urban Development (HUD).

Contact

Email

Contact Form

Phone

210-207-6459