Apply for a Home

Homebuyer Program

Why buy with Habitat?

  • 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. 

Informational Videos

Where We Build

Habitat is now accepting homeowner applications for the following communities:

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a 15-to-25-year loan with NO INTEREST
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hours of sweat equity must be invested in your home as well as homes of other Habitat households
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approximate cost of each new 3 & 4 bedroom home
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payments start as low as $900 a month

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 one of these following counties:
Bexar, Guadalupe, Comal, Kendall, Bandera, Medina, Atascosa or Wilson County

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

We only accept applications for families who live in Bexar County and adjacent counties.

step 3

Pre-Qualification

Complete a pre-qualification Mortgage Counseling Questionnaire online (click the button below), 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.

Virtual Tour

Habitat home floorplans have 3 and 4 bedroom options with 2 bathrooms. Our homes are universally designed to offer accessibility for all physical abilities and ages. Home appliance options are available such as dishwasher, home color paint, and shutter choices. Habitat homes are designed to enrich the lives of our families while keeping affordability top of mind.

For questions please contact:

San Antonio
Family Services Department
311 Probandt, San Antonio, TX 78204
Phone: 210-223-5203
Office Hours: (Monday – Friday) 8:30 am – 4:30 pm
(*Please note: Closed at 1 pm on Fridays during the summer*)

Seguin
256 W. Court St.
Seguin, TX 78155
Phone: 830-401-0422
Office Hours: (Monday – Friday) 8:30 am – 4:30 pm
(*Please note: Closed at 1 pm on Fridays during the summer*)