San Antonio is one of the more affordable major metros in Texas, and the 2026 Bexar County FHA loan limit of $557,750 sits nearly double the area's median home price — which means FHA financing realistically covers almost the entire local market, not just entry-level homes. Joe Pistone at CrossCountry Mortgage is NMLS-licensed in Texas and works FHA files across Bexar County.
Yes — most buyers can get an FHA loan in San Antonio, TX with as little as 3.5% down and a 580+ credit score (500–579 may qualify with 10% down). The 2026 Bexar County FHA loan limit is $557,750 for a single-family home — nearly double San Antonio's median home price of roughly $295,000 — so FHA financing here isn't limited to the cheapest end of the market the way it is in most high-cost metros.
San Antonio is one of the few major Texas metros where the FHA limit isn't the constraint — affordability and documentation are. Get your paperwork organized early and you'll be competitive on almost any listing in this market.
FHA remains one of the most accessible paths to homeownership in San Antonio for buyers with limited down payment savings or a shorter credit history. For the full federal program rules, see HUD's FHA home loans overview.
Check My Eligibility →San Antonio is one of the more affordable major metros in Texas relative to its size — the seventh-largest city in the country by population, with a median home price generally landing in the $260,000–$300,000 range through 2026. HUD's 2026 FHA loan limit for Bexar County is $557,750 for a single-family home, nearly double that median. In practice, that means an FHA buyer here isn't confined to the cheapest starter homes the way buyers often are in higher-cost metros — the limit comfortably covers move-up homes across most of the city and its surrounding suburbs.
San Antonio's economy runs on a mix of tourism (The Alamo and the River Walk draw millions of visitors a year), a substantial healthcare and bioscience sector anchored by the South Texas Medical Center — one of the largest concentrations of hospitals and research institutions in the country — and a significant military presence. That diversified base has kept San Antonio's housing market steadier and more affordable than boom-and-bust metros elsewhere in the state, which is part of why FHA financing stretches further here.
FHA loans see steady use across San Antonio, particularly in areas where pricing lines up well with what a 3.5%-down buyer can afford: Southtown (just south of downtown, known for its converted lofts and arts scene), and pockets of Stone Oak and Alamo Heights outside their highest-priced streets. In the suburbs, Helotes on the city's northwest edge offers additional inventory within the FHA limit. Every neighborhood and property is different, so the right move is always to check a specific address and price point.
San Antonio's condo market has grown near downtown and around the medical center, and FHA condo eligibility is building-specific, not citywide. A condo project has to be on HUD's approved condo list, or the individual unit has to qualify under FHA's single-unit approval option. If a condo is part of your search, get the building's FHA status checked before you write an offer.
To qualify for an FHA loan in San Antonio, you'll generally need:
No income limits. No first-time buyer requirement. Joe Pistone works with borrowers across the credit spectrum on San Antonio-area files — call (941) 260-1894 and we'll walk through what applies to your specific situation.
Check your FHA eligibility in minutes — no credit pull, no obligation, no SSN required.
Check My San Antonio Eligibility →The 2026 FHA loan limit for Bexar County is $557,750 for a single-family (1-unit) home. That figure applies across the full 8-county San Antonio-New Braunfels metro — Bexar, Comal, Guadalupe, Atascosa, Bandera, Kendall, Medina, and Wilson counties — and sits well above San Antonio's median home price, which is generally in the $260,000–$300,000 range.
FHA guidelines require a minimum 580 credit score to qualify for the 3.5% down payment option. Scores between 500 and 579 may qualify with a 10% down payment. Joe Pistone works with borrowers across the credit spectrum to find the right path forward.
Yes — the entire 3.5% FHA down payment can come from a documented gift from a family member, employer, or approved charitable organization, with proper documentation. This is a common path for San Antonio's large first-time buyer population.
Only if the condo project is on HUD's approved condo list, or the specific unit qualifies under FHA's single-unit approval option. San Antonio has a growing condo market near downtown and the medical center, and approval status varies building to building — Joe can check a specific project's FHA status before you write an offer.
With CrossCountry Mortgage, most San Antonio borrowers receive a pre-approval decision within a few business days of submitting complete documentation — pay stubs, bank statements, and ID. Full underwriting to clear-to-close typically runs a few weeks after an accepted offer.
For the full statewide FHA guide and other Texas loan programs:
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