10 Things First-Time Home Buyers Don’t Know About Buying a Home in San Antonio.

🏠 1. You May Qualify for Down Payment Assistance in San Antonio

Many first-time home buyers in San Antonio don’t realize that there are local and state programs that can help you buy your home faster.

Programs like the San Antonio Homeownership Incentive Program (HIP) and the Texas State Affordable Housing Corporation (TSAHC) offer grants or low-interest loans that cover part of your down payment or closing costs.

💡 Tip: Ask your lender or Realtor to check if you qualify for down payment assistance San Antonio 2025 programs.

💰 2. You Don’t Always Need 20% Down

One of the biggest myths first-time home buyers believe is that you need 20% down.
In reality, most buyers in San Antonio qualify for FHA loans (3.5% down), VA loans (0% down), or USDA loans (0% down) in select areas.

Working with a local San Antonio lender ensures you find the right loan option for your budget.

🏡 3. Property Taxes Vary by Neighborhood

San Antonio has different property tax rates depending on the county and neighborhood. These taxes directly affect your monthly mortgage payment.

Some areas offer homestead or veteran exemptions — something many first-time buyers overlook when calculating affordability.

✅ Keyword Tip: Use San Antonio property tax exemptions for first-time buyers in your research.

📝 4. Understanding the Option Period in Texas Real Estate

In Texas, every buyer gets an option period — typically 5–10 days after going under contract — to inspect the home and back out for any reason.

Think of it as your “buyer’s safety net” before fully committing. You pay a small option fee for this right, but it can save you thousands if major issues are found during inspection.

💳 5. Closing Costs Can Surprise You

Your down payment isn’t the only upfront expense. Expect closing costs (lender fees, title insurance, appraisal, and escrow fees) to total around 3–5% of your purchase price.

Many first-time home buyer programs in San Antonio also offer closing cost assistance — so don’t forget to ask your Realtor or lender about these savings options.

🧾 6. Pre-Approval vs. Pre-Qualification

Here’s a major difference first-time buyers miss:

• Pre-Qualification = basic estimate of what you can afford

• Pre-Approval = verified credit, income, and debt

A pre-approval letter makes your offer stronger and helps you compete in the busy San Antonio housing market.

🏘️ 7. Not All San Antonio Neighborhoods Are Equal for First-Time Buyers

Some of the best areas to buy your first home in San Antonio include:

• Alamo Ranch – family-friendly with great schools

• Helotes – peaceful with new construction homes

• Stone Oak – strong resale value and nearby shopping

These communities offer affordability, safety, and long-term investment potential.

 best San Antonio suburbs for first-time buyers

🏗️ 8. Builders Offer Incentives for New Homes

If you’re considering new construction homes in San Antonio, builders often provide closing cost credits, free upgrades, or temporary rate buy-downs to attract first-time buyers.

Ask your Realtor to check for San Antonio new home incentives 2025 before signing a contract.

⚡ 9. The Market Moves Fast — Be Ready to Act

San Antonio homes often sell within days — especially those under $350K.
Having your loan pre-approval, earnest money, and Realtor ready gives you a competitive advantage.

Your Realtor can help you make a competitive offer without overpaying or losing the home you love.

❤️ 10. Having a Local Realtor Makes a Big Difference

Buying your first home is a huge milestone.
Working with a local San Antonio Realtor who understands neighborhood trends, loan programs, and inspection rules can help you save time, money, and stress.

I guide my clients through every step — from finding the right lender to closing day — so you can buy your first home with confidence.

🌟 Ready to Start Your Home Buying Journey?

If you’re a first-time home buyer in San Antonio, I’d love to help you find the perfect home and make the process simple and stress-free.

📞 Contact Crystal Rosales – San Antonio Realtor
👉 crystalrosaleshomes.com
Your local guide to San Antonio real estate success.

City of San Antonio Homeownership Incentive Program (HIP) Texas State Affordable Housing Corporation (TSAHC)