See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 6, 2026
Homebuyer Programs in San Angelo, TX (2026)
San Angelo is a regional hub in Tom Green County in west-central Texas with a median home price around $230,000, making it one of the more affordable markets in the state. The city stands out for its strong local homebuyer programs: the City of San Angelo Homebuyer Assistance Program provides up to $15,000 in grant funds for first-time buyers, and the Affordable Housing Assistance Program through Galilee Community Development Corporation offers up to $50,000 in mortgage buydown assistance for new construction in designated target neighborhoods. Habitat for Humanity of San Angelo has built over 93 homes since 2000 and offers zero-interest mortgages to qualifying families. At the state level, buyers can access the Homes for Texas Heroes Program and Home Sweet Texas with grants of 3% to 5% of the loan amount, plus My First Texas Home with up to 5% assistance. By combining city and state programs, eligible buyers in San Angelo could potentially receive $25,000 or more in total down payment and closing cost assistance.
City Programs in San Angelo
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| City of San Angelo Homebuyer Assistance Program (HAP) | Grant | Up to $15,000 | Yes | View → |
| San Angelo Affordable Housing Assistance Program (AHAP) | Deferred Loan | Up to $50,000 (40% of sales price) | Yes | View → |
- Type:
- Grant
- Amount:
- Up to $15,000
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- Up to $50,000 (40% of sales price)
- First-time only:
- Yes
State Programs in Texas
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Home Sweet Texas Home Loan Program | Grant | 2%, 3%, 4% or 5% of the total loan amount (borrower chooses); grant on FHA/VA/USDA loans or 0% 3-year forgivable second lien | No | View → |
| Homes for Texas Heroes Program | Grant | Up to 5% of the loan amount (between 3% and 5%) | No | View → |
| My First Texas Home | Forgivable Loan | Up to 5% of the first lien mortgage amount | Yes | View → |
| SETH 5 Star Texas Advantage Program | Forgivable Loan | Up to 5% of the loan amount | No | View → |
- Type:
- Grant
- Amount:
- 2%, 3%, 4% or 5% of the total loan amount (borrower chooses); grant on FHA/VA/USDA loans or 0% 3-year forgivable second lien
- First-time only:
- No
- Type:
- Grant
- Amount:
- Up to 5% of the loan amount (between 3% and 5%)
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to 5% of the first lien mortgage amount
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to 5% of the loan amount
- First-time only:
- No
Federal Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| FHA Loans | Government-Insured Mortgage | Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026) | No | View → |
| Good Neighbor Next Door (HUD) | Government Property Sale Program | 50% discount off the list price of HUD-owned homes | Yes | View → |
| Home Possible Mortgage (Freddie Mac) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HomeReady Mortgage (Fannie Mae) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HUD $100 Down Program | FHA-Financed HUD REO Purchase | Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs. | No | View → |
| USDA Rural Development Loans | Government-Guaranteed Mortgage | 100% financing (no down payment required); loan amount up to appraised value | No | View → |
| VA Loans | Government-Guaranteed Mortgage | No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026) | No | View → |
- Type:
- Government-Insured Mortgage
- Amount:
- Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- FHA-Financed HUD REO Purchase
- Amount:
- Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
- First-time only:
- No
Nonprofit Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Habitat for Humanity of San Angelo Homeownership Program | Zero-Interest Loan | Zero-interest mortgage on a Habitat-built home | No | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Zero-interest mortgage on a Habitat-built home
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. The City of San Angelo HAP requires household income at or below 80% of the Area Median Income for Tom Green County. You must have been a San Angelo resident for at least one year or be currently employed locally.
Step 2: Complete homebuyer education. A HUD-approved homebuyer education course is required for both the city HAP and the Galilee CDC program. Contact the City of San Angelo Community Development at (325) 655-0824 for approved course providers.
Step 3: Contact the City of San Angelo Community Development. Their office at 52 W. College Ave. administers the Homebuyer Assistance Program and can walk you through the full application process. Call (325) 655-0824.
Step 4: Explore the Galilee CDC Affordable Housing Assistance Program. If you are interested in new construction in the Blackshear, Belaire, Lakeview, Reagan, Rio Vista, or Fort Concho neighborhoods, contact Galilee CDC at (325) 655-6700 for details on the AHAP program.
Step 5: Get pre-approved through a participating lender. The city HAP works with specific lenders including The Mortgage Link at (325) 227-4680, Pinnacle Bank at (325) 658-6714, HomeTown Lenders at (325) 486-0100, and Trans Texas Southwest Credit Union at (325) 944-3184.
Step 6: Find a home within program limits. The city HAP caps assistance at 15% of the appraised value. Provide a minimum of $500 in earnest money.
Step 7: Submit your application and close. Your lender and the city will coordinate the assistance funds. You must maintain the home as your primary residence for at least 5 years under the HAP program.
Frequently Asked Questions
How much down payment assistance can I get in San Angelo?+−
Do I have to be a first-time homebuyer to qualify?+−
What is the maximum home price I can purchase with assistance?+−
What homebuyer education is required?+−
What are the target neighborhoods for the AHAP new construction program?+−
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