DPA + FHA for First-Time Buyers
in Bexar County, Texas
Down payment assistance for buyers with lower credit scores. Real numbers for San Antonio-New Braunfels MSA buyers in 2026.
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What is a DPA + FHA?
Stacking Texas DPA with an FHA loan is the most accessible path to homeownership in the state. DPA of up to about 5% of the loan amount (TDHCA 2%–5%, funding permitting) can cover the down payment; FHA handles lower credit tolerances. The combination opens doors for buyers who are ready in every way except savings or credit score.
Who Qualifies for a DPA FHA in Bexar County?
- ✓First-time homebuyer (no ownership in last 3 years) for MCC-combined and most first-time DPA options
- ✓Credit score of 620 or higher
- ✓Income: MCC combined with DPA is the federal 115% AMFI cap; TSAHC DPA-only is 150% AMFI (Home Sweet Texas) or 170% AMFI (Homes for Texas Heroes) as of 2026-07-10
- ✓Debt-to-income ratio under 50%
- ✓Stable employment (6+ months at current job)
- ✓Complete a HUD-approved homebuyer education course
- ✓Bexar County income limit: $104,725 (1–2 person) / $120,434 (3+ person). Source data reviewed September 2026; verify current program documents before applying.
Pros & Cons
Real Example: DPA FHA Buyer in Bexar County
Here's what the numbers look like for a typical first-time buyer using a DPA + FHA in Bexar County today.
Principal + interest + property tax (1.8%) + insurance (0.5%) at 6.75% rate
Frequently Asked Questions
What credit score do I need for a DPA + FHA in Bexar County?
The minimum credit score for a DPA + FHA is 620. In Bexar County, most lenders prefer 640+ for the smoothest approval and best interest rates. Scores below 620 will need work before applying.
How much down payment do I need for a DPA + FHA in Bexar County?
With Texas DPA programs, your down payment can be $0 — the assistance covers it. DPA provides $15,000–$30,000 toward your purchase in Bexar County, which can cover the full down payment on homes up to $583,580.
What is the estimated monthly payment for a DPA + FHA in Bexar County?
On the median $295,000 home in Bexar County, the estimated all-in monthly payment is approximately $2,530. This includes principal and interest (at 6.75%), property taxes (~1.8%), and homeowner's insurance (~0.5%). Your actual payment will vary based on your loan amount, rate, and specific property.
Is DPA + FHA the right choice for me in Bexar County?
First-time buyers with credit scores 620–679 and limited savings. The single most accessible path to homeownership for most Texas first-timers. Bexar County has a median home price of $295,000, which is within typical DPA + FHA limits. With DPA, you can buy in Bexar County with little to no cash upfront — a major advantage in this market.
What DPA programs work with DPA + FHA in Bexar County?
TSAHC Home Sweet Texas, TDHCA My First Texas Home, TDHCA My Choice Texas Home, San Antonio HIP80/HIP120 — FY 2027 status not published; confirm with the city housing department are relevant programs to check in Bexar County. Statewide paths include TSAHC Home Sweet Texas, TSAHC Homes for Texas Heroes, TDHCA My First Texas Home, and TDHCA My Choice Texas Home. These programs may pair with this loan type depending on the current lender and program option. Income and purchase-price data was last reviewed September 2026.
Program source check: First Home AI last reviewed Texas program source data in September 2026. Final eligibility and currently available assistance are set by the program administrator and lender.
DPA FHA in Nearby Counties
Do you qualify for a DPA FHA in Bexar County?
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