NHSD Owner-Occupied Rehabilitation Program

City of San Antonio, Neighborhood & Housing Services Dept.

Available Home Repair

About This Program

NHSD Owner-Occupied Rehabilitation Program is available to homeowners in San Antonio, TX.

The NHSD Owner-Occupied Rehabilitation Program provides deferred forgivable loans to income-qualified San Antonio homeowners to rehabilitate substandard or non-code-compliant properties. Repairs prioritize health, safety, accessibility, and major system concerns such as electrical, plumbing, roofing, and HVAC. The 2022-2027 City bond program allocated $45 million toward owner-occupied rehabilitation activities.

Loan amount determined by scope of repairs; forgiven over time if owner occupies

Data last verified 2026-04-03. How we verify our data.

In San Antonio, TX, you can combine this program with other local help to cut your cost:

Key Details

  • Income ≤ 80% of Area Median Income (AMI)
  • Must have current-year homestead exemption and clear title
  • Property must be within San Antonio city limits
  • Deferred forgivable loan, no monthly payments while owner-occupied
  • Apply at webapp1.sanantonio.gov/NHSDRehPro

How to Apply

Get free help applying Visit Official Program Page Track this program

210-207-6459

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 contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

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, waitlist, first-come first-served

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can NHSD Owner-Occupied Rehabilitation Program provide in San Antonio, TX?

Up to $75,000 (deferred forgivable loan).

Who qualifies for NHSD Owner-Occupied Rehabilitation Program in San Antonio?

NHSD Owner-Occupied Rehabilitation Program is open to homeowners in San Antonio, TX. It prioritizes low-income households.

How do I apply for NHSD Owner-Occupied Rehabilitation Program in San Antonio, TX?

Apply directly with City of San Antonio, Neighborhood & Housing Services Dept. using the official program link on this page or call 210-207-6459. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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