Schertz Down Payment Assistance
Discover how Schertz-area home buyers can receive up to 5% in down payment and closing cost assistance through Texas state programs.
Population
45,089
Median Home Price
$315,000
Median Income
$90,000
DPA Available
Up to 5%
Down Payment Assistance in Schertz, Texas
Schertz is a fast-growing suburb northeast of San Antonio, popular with military families due to its proximity to Randolph Air Force Base. With a median home price around $315,000, Schertz offers excellent value for families seeking good schools and a safe community.
Guadalupe County income limits are favorable for DPA programs, and the TSAHC Homes for Texas Heroes program is widely used by military families stationed at Randolph AFB. The city's young demographics mean many buyers are first-time purchasers using TDHCA assistance.
The Schertz-Cibolo-Universal City ISD is highly rated, driving family demand. Amazon's fulfillment center and other distribution facilities along I-35 have added jobs beyond the military-dependent base. Many residents commute to San Antonio's tech and healthcare employers while enjoying lower housing costs.
Master-planned communities like Savannah Heights and Crossvine offer new construction at various price points. The city's rapid growth has brought numerous builders targeting first-time buyer price points within DPA limits. Established neighborhoods provide more affordable options with mature landscaping.
DPA Program Note
TSAHC Heroes program very popular for military families. Most new construction falls within DPA limits.
Why Schertz for Homeownership?
Key factors that make Schertz an excellent market for buyers using down payment assistance.
Near Randolph AFB
Military family community
Excellent schools
Easy I-35 access
Major Employers in Schertz
Schertz's diverse economy provides stable employment for home buyers qualifying for DPA programs.
Popular Schertz-Area Communities
Explore neighborhoods and suburbs in the Schertz metro where DPA programs can help you buy a home.
DPA Eligibility in Schertz
Most Schertz-area buyers who meet the following criteria can qualify for Texas down payment assistance programs.
- Household income within Guadalupe County limits (varies by program and family size)
- Minimum credit score of 620 (some programs may allow lower with compensating factors)
- Purchasing a primary residence in the state of Texas
- Completing a HUD-approved homebuyer education course (available online)
- Working with a TDHCA- or TSAHC-approved lender like Cornerstone First Mortgage
- Meeting the purchase price limits for Guadalupe County (currently up to $472,030 standard or $546,250 in high-cost areas)
Eligibility requirements vary by program. Contact the Cook Brothers Mortgage Team for a personalized eligibility assessment based on your specific financial situation and the Schertz area where you plan to buy.
Check Your Eligibility
Answer a few quick questions to see if you qualify
Have you owned a home in the last 3 years?
Schertz DPA FAQs
How much down payment assistance can I get in Schertz?
Home buyers in Schertz can receive up to 5% of the loan amount in down payment assistance through TDHCA and TSAHC programs. On a $315,000 home, that's up to $15,750 in assistance.
What are the income limits for DPA in Guadalupe County?
Income limits vary by program and household size. Guadalupe County limits are based on the San Antonio-New Braunfels Area Median Income (AMI). Generally, households earning up to 115% of AMI can qualify. Use our calculator or contact us for current limits.
Do I have to be a first-time buyer to use DPA in Schertz?
No! While the TDHCA My First Texas Home program is for first-time buyers, the My Choice Texas Home program and some TSAHC options are available to repeat buyers. If you've owned a home before, you may still qualify for assistance in Schertz.
Check Your Eligibility in Schertz
Take our free 60-second quiz to see which Texas DPA programs you may qualify for in the Schertz area. No credit check required, no obligation.
Cook Brothers Mortgage Team at Cornerstone First Mortgage | NMLS #173855