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Repair help · Texas

Minor Repair Loan · Texas

City of San Antonio interest-free loan, forgiven over time, for safety, health and accessibility repairs in your home

See how to apply See the official page
WhatsApp
Kind of help
Repairs
Repairs or upgrades to your home; its page says which.
Published cap
Up to $25,000
What its page says; your amount depends on the repairs.
Is it open?
Its page doesn’t say
What its page said on November 6, 2026.
Checked
November 6, 2026
Against the program's official page.

Type of help

What it covers

  • Repairs

Only in: San Antonio, Bexar County

Up to $25,000

Source text

The City offers 0% interest, forgivable loans to help homeowners make important repairs that improve safety, health, accessibility, and code compliance. … The Minor Repair Loan cannot exceed $25,000 and requires a Restrictive Covenant with a term of 5 years.

A summary of what the program publishes; not a promise of help or advice. Funds, limits and waiting lists change without notice.

At a glance

Who qualifies

Each answer comes from the program's page. "Not stated — ask" means its page doesn't make it clear: ask before you apply.

Source text

You must own and live in a single-family home in the City of San Antonio (Council Districts 1 through 10 only). … Your household income must be at or below 80% of the Area Median Income (AMI). … Reverse mortgages do not qualify for this program. … You must show proof of Homeowners Insurance.
  • Income limit Up to 80% of area median income (AMI), per the source
  • Immigration requirement Not stated — ask
  • Accepts ITIN? Not stated — ask
  • Spanish materials Not stated — ask
  • Program status The source does not say whether it is open — ask
  • Where it applies San Antonio, Bexar County

What its page says about being open

Its page does not say whether the program is open or has funds. Ask the agency before counting on it. Read on the official page on November 6, 2026.

Step by step

How to use it, step by step

The steps to ask for the help, with what the program’s page says. What its page leaves unclear is below, in the questions.

See how to apply

  1. Ask first whether it is open

    Its page does not say whether it is open or still has funds. That is the first thing to ask.

  2. Find out who takes your application

    Check the official page for how to apply: with City of San Antonio, Neighborhood and Housing Services Department or with a local agency in your area. If you can’t find it, call City of San Antonio, Neighborhood and Housing Services Department and ask.

  3. Have your papers ready

    Ask which papers they need before your appointment, and keep a copy of everything you hand in.

  4. Check the quote before you sign

    If the program shows you a quote or asks you to sign a contract, read it calmly: what work it includes, who does it and when it ends.

Before you call

What to ask

Its page leaves 4 points unclear. Write them down for when you talk to City of San Antonio, Neighborhood and Housing Services Department.

What its page does not say

  • Is it open now, and does it still have funds?
  • Which immigration status or residency documents do you ask for?
  • Do you accept an ITIN?
  • Do you have materials or staff in Spanish?

Worth asking for this kind of help

  • Which repairs does it cover, and which not?
  • Is there a waiting list where I live? How long is it?
  • Do I have to pay anything back if I sell the home or move?
  • Who does the work, and who checks it at the end?

More repair help

Other repair programs in Texas

2 more programs we checked in Texas, with what each page says.

  • Weatherization Assistance Program (WAP)

    Run by Texas Department of Housing and Community Affairs (TDHCA)

    Texas weatherization program: upgrades that cut energy use in low-income homes, through local agencies

    See details

  • Minor Home Rehabilitation Program

    Run by City of Dallas, Housing & Homelessness Division · Dallas, Dallas County, Collin County, Denton County, Kaufman County, Rockwall County

    City of Dallas grant for minor repairs to an owner's home, requested through nonprofit organizations

    See details

Sources

How we checked this program

We read the program's official pages on November 6, 2026 and copied their text as it appears on them. We add no amounts or requirements those pages do not state, and a program is listed as open or closed only when its page says so.

We check every program again. If more than 180 days pass without a check, the page says so.

A young woman and a young man point to a line in their notes beside a laptop in a library.

Talk to a housing counselor

A HUD-approved housing counselor helps you with your budget and your options as an owner. Some agencies also advise on home repairs and improvements.

Find a counselor (HUD)

Guides to repairing your home