U.S. Dept. of Housing & Urban Development (HUD) / FHA
FHA 203(k) Rehabilitation Mortgage is available to homeowners in San Antonio, TX.
The FHA 203(k) rehabilitation mortgage allows homeowners or buyers to finance a home's purchase or refinance along with repair costs in a single loan. The Standard 203(k) covers major structural repairs with no cap on renovation costs (up to FHA loan limits); the Limited 203(k) allows up to $75,000 in repairs for non-structural improvements. Requires a minimum $5,000 in eligible improvements.
Bexar County FHA loan limit approx. $524,225; standard 3.5% down payment required
Verified against U.S. Dept. of Housing & Urban Development (HUD) / FHA's official page on 2026-06-17.
Data last verified 2026-04-03. How we verify our data.
This is a national program. In San Antonio, TX, you can stack it with local programs like these:
A grant-savvy contractor in San Antonio, TX can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.
You will likely need a contractor to apply
Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in San Antonio early keeps your application moving.
Get matched with a contractorEach program sets its own contractor rules. Check the official program page for exact requirements.
An FHA mortgage that rolls the cost of repairs or renovation into the loan to buy or refinance a home. The rehab work must total at least 5,000 dollars. You apply through an FHA approved lender, not a government office.
Steps to apply
Documents you will likely need
Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Open, apply through FHA-approved lenders
Ask us. It is free, and a real person answers within a business day.
Email us about this programUp to county FHA loan limit (Bexar Co. ~$524,225); Limited 203k up to $75,000 in repairs.
FHA 203(k) Rehabilitation Mortgage is open to homeowners in San Antonio, TX. It has no income limit.
Apply directly with U.S. Dept. of Housing & Urban Development (HUD) / FHA using the official program link on this page or call 800-225-5342. There is no middleman and no fee.
Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
Rebates and discounts that stack on top of any grant. Most are free to use.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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