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San Antonio · Mortgage & Home Loans

Mortgage & Home Loans in San Antonio, Texas

VA, FHA, USDA, Conventional and more — get connected with a Texas real estate expert

San Antonio offers outstanding value with median home prices around $280,000—among the most affordable major Texas metros. The city's massive military presence (Fort Sam Houston, Lackland, Randolph) makes San Antonio one of Texas's top VA loan markets, while many surrounding areas qualify for USDA zero-down financing.

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Loan Programs in San Antonio

🎖️
VA Home Loans
0% down for military & veterans
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🏠
FHA Home Loans
3.5% down, flexible credit
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🌾
USDA Loans
0% down in eligible rural areas
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🔑
First Time Buyer
Down payment assistance programs
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🔄
Refinance
Lower your rate or cash out equity
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💰
Home Equity
Tap equity — Texas 80% rule applies
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San Antonio Mortgage Calculator

Mortgage Payment Calculator
Estimate your monthly payment — adjust any field instantly
Home Price$350,000
$100k$1.5M
Down Payment (10%)$35,000
0%50%
Interest Rate7.00%
3.00%12.00%
Loan Term
Estimated Monthly Payment
$2,723
taxes & insurance included
Principal & Interest$2,096
Property Tax (est. 1.8%)$525
Home Insurance (est.)$102
Total Interest (30 yr)$439,453
Total Loan Cost (30 yr)$754,453
Loan amount: $315,000  ·  Down: $35,000
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Estimates only. Actual rates, taxes, and payments vary. Not a loan commitment or mortgage solicitation. Contact a licensed Texas mortgage professional for accurate figures.

Mortgage Calculator by City — San Antonio

Click any city for a personalized mortgage payment estimate

San Antonio→New Braunfels→Schertz→Cibolo→Converse→Universal City→Boerne→Seguin→Live Oak→

Compare Loan Types in San Antonio

Loan TypeMin DownMin CreditIncome LimitPMI / FeesBest For
VA0%580+NoneNoneMilitary & veterans
FHA3.5%580+NoneRequired (MIP)First-time / lower credit
USDA0%640+~$112k/yrNone (0.35% fee)Rural eligible areas
Conventional3–20%620+NoneIf <20% downStrong credit buyers
Jumbo10–20%720+VariesNot availableHomes above $766,550

* Guidelines may vary by lender. Credit score, income, and property requirements apply. Not a mortgage commitment. For educational purposes only.

San Antonio Mortgage FAQs

Are VA loans popular in San Antonio, TX?
San Antonio is one of the top VA loan markets in the entire country. With three major military bases (Joint Base San Antonio–Fort Sam Houston, Lackland AFB, and Randolph AFB) plus thousands of veterans who settled here, VA loan volume in Bexar County is massive. Most San Antonio lenders have extensive VA expertise, making the process smooth. The 2024 VA loan limit is $766,550 with 0% down—covering nearly all San Antonio homes.
Are there USDA-eligible areas near San Antonio?
Yes—several communities outside the San Antonio urban core are USDA-eligible. Rural areas in Medina County, Atascosa County, and Wilson County may qualify. Parts of Converse, Cibolo, and Schertz have USDA-eligible zones. Boerne (Kendall County), Seguin (Guadalupe County), and rural New Braunfels outskirts may also qualify. Always verify specific property eligibility using the USDA map at eligibility.sc.egov.usda.gov.
What first-time homebuyer programs exist in Bexar County?
San Antonio and Bexar County offer multiple programs: San Antonio Housing Authority (SAHA) homeownership programs, Bexar County's Emergency Housing Assistance, TDHCA's My First Texas Home (up to 5% down payment assistance), Texas Mortgage Credit Certificate (saves hundreds monthly in federal taxes), and City of San Antonio's housing bond programs. Military first-time buyers can combine VA loans with Texas MCC for maximum savings.
What is the average mortgage payment in San Antonio?
At San Antonio's median home price of ~$280,000 with 10% down at 7% on a 30-year loan: P&I ≈ $1,676/month, property taxes ≈ $420/month (1.8%), insurance ≈ $82/month. Total PITI: approximately $2,178/month. This is among the most affordable payments in any Texas major metro—Austin's equivalent payment is often 80–100% higher.
How do Texas property taxes affect my mortgage payment in San Antonio?
San Antonio/Bexar County property taxes average 1.8–2.4% of assessed value annually. On a $280,000 home, that's $5,040–$6,720/year or $420–$560/month added to your mortgage payment by your lender's escrow. Texas has no homestead exemption cap—but the $40,000 general homestead exemption reduces your taxable value. School district determines most of the rate; Northside, North East, and SAISD ISD rates vary.

We'll connect you with a licensed Texas mortgage professional who specializes in San Antonio home loans. Free consultation, no obligation.

Claudio C. Carrizal, REALTOR®
TX License #0605215 · Relive Realty LLC

Free Mortgage Consultation — No Obligation

Claudio C. Carrizal is a licensed Texas REALTOR® with Relive Realty LLC serving all of San Antonio. Whether you're a first-time buyer, looking to refinance, or exploring VA loan benefits, Claudio connects you with the right resources at no cost to you.

CCCRES.COM is a licensed real estate brokerage. Mortgage consultations are provided through licensed third-party mortgage professionals. Claudio C. Carrizal License #0605215 | Relive Realty LLC. This is not a commitment to lend. All loans subject to credit approval.