Home Repair Programs - Citywide

Owner-Occupied Rehabilitation and Reconstruction Program-Council Districts 1-7 Only

The Owner-Occupied Rehabilitation Program assists qualified homeowners with low to moderate income rehabilitate their substandard and non-code compliant residential properties by providing deferred forgivable loans to cover the cost of the needed repairs. These repairs focus on health and safety, accessibility, and major system concerns.

Program Eligibility Requirements

Homeowner must be a US citizen or Legal Resident

Homeowner must have clear title and must occupy property

Property value with rehabilitation cannot exceed $178,500

Mortgage loans must be current, mortgage balance and home’s square footage may impact eligibility

Property must be an owner-occupied, single-family home

Property must be within City Council District 1-7

Homeowner and property must be clear of liens or judgment, except for mortgages

Property taxes must be current; taxes in arrears, deferrals and payment plans are not eligible

Property must be designated a Homestead with the Bexar County Appraisal District

Utility bills must be in the homeowner's name

Rental properties, mobile homes and duplexes are not eligible

eligible Chapter 7, Chapter 13 bankruptcy, reverse mortgage loans are not eligible

eligible Homeowner is not eligible if an existing HUD or City funded rehabilitation contract exist for: Down Payment Assistance or OOR restrictive covenant, excluding lead-based paint remediation

eligible if an existing funded rehabilitation contract exist for: Down Payment Assistance or OOR restrictive covenant, excluding lead-based paint remediation Household gross income must be at or below 80% of the Area Median Income (AMI) limits:

Household Size 1 2 3 4 5 6 7 8 Annual Income $40,350 $46,100 $51,850 $57,600 $62,250 $66,850 $71,450 $76,050

Program Terms and Requirements

Assistance is a deferred forgivable loan to homeowner (repayment not required & percentage forgiven annually).

Amount of Assistance Terms $5,001 to $50,000 10 years Over $50,001 15 years Reconstruction 20 year

If property is vacated, leased, or sold during the contract period: balance becomes due & payable

Site Inspection will determine the amount of assistance needed and repair cost

Lien: Deed of Trust and Restrictive Covenant will be recorded at the Bexar County Clerk’s Office

Homeowner’s property insurance must be maintained throughout the entire contract period

Homeowner MUST move out prior to the start of rehabilitation for 3-6 months

Homeowner is responsible for moving and temporary housing living expense

Property taxes and homeowner’s insurance must be maintained for the entire contract period

Flood Insurance required if property is located in a flood zone

Contract period is determined by rehabilitation amount invested into the property

To apply for assistance click on the following:

Green & Healthy Homes

The City of San Antonio’s Green and Healthy Homes (SAGHH) provides assistance to owners and landlords of residential properties (both single-family and multi-family ) in creating healthy, safe, energy-efficient and sustainable homes for families and children. The SAGHH is working to prevent and correct housing-related health and safety hazards, such as addressing lead-based paint, household asthma triggers and fire hazards.

Eligibility:

House must be built prior to 1978; AND House must be located within the City of San Antonio; AND A child age 5 and under must reside in the home or spend at least 6 hours per week in the home; AND Have a clear title to property; AND Must be current with property taxes; AND Household must meet HUD established Income Guidelines for families earning 80% or below of Area Median Income.

CONTACT:

City of San Antonio, Neighborhood and Housing Services Department

Phone: 210.207.GHHI (4444)

RELATED DOCUMENTS:

Interested in applying for the SAGHH Program? Click on our application below:

Under 1 Roof Program

This program replaces worn and damaged roofs with new, energy-efficient roofs for qualified homeowners.

Applications can be dropped off at the Financial and Housing Recovery Center located at the Central Library, 600 Soledad Street. Appointments are required. For an appointment call 210.207.2275. If you have a question after you apply, call 210.207.6459.

Related Documents

Important Links

Minor Repair Program

This program addresses health and safety items such as plumbing, electrical, non-working utilities, broken windows, damaged doors or other items in need of repair.

The Minor Repair Program funding for Fiscal Year 2020 is currently exhausted and applications are no longer being accepted. Program funding for the new fiscal year begins October 1, 2020. Applications will be available and accepted upon City Council approval of the City's Fiscal Year 2021 budget.