Homeownership

Homeownership Opportunities

Coming Spring 2026! Opportunity Home will have seven new homes available in the Palm Lake neighborhood under the Westside Reinvestment Initiative. Please continue to check the website for updates. Please contact our broker, Robert Saenz with Xsellence Realty, at [email protected] or 210.592.4285.

25 New Homes

We are excited to bring a total of 25 affordable homes to the Villa De Fortuna (5), Palm Lake (11) and Sunflower (9) Subdivisions to purchase on the Westside of San Antonio!

Opportunity Home is selling one-story houses starting in the $160s to first-time homebuyers who qualify for the Middle Income Homeownership Program (MIHP), created to help middle-income families purchase a home.

En Español

YOUR FIRST HOME

Make your homeownership dreams come true with the purchase of one of these newly constructed two- to three-bedroom, single-story modern homes between 1,101 to 1,309 square feet.

These homes are only a hop, skip and a jump away from the city’s hottest eateries and downtown entertainment.

ELIGIBILITY

Middle Income Homeownership Program eligibility requirements:

  • Must be a first-time homebuyer or have not owned a home within the past three years.
  • Must be primary residence/owner occupied.
  • Must attend an Opportunity Home approved homebuyer class, with proof of certification.
  • Must be approved through a mortgage lender for a Federal Housing Administration (FHA), Veterans Affairs (VA), or Conventional mortgage loan.
  • Homes are subject to a 10-year appreciation recapture provision.
  • Household incomes must be between 60-80% of AMI. The first five homes currently on the market are specifically reserved for those at 60% of AMI.
  • Must be a resident of Bexar County, Texas.

HOME FEATURES

  • 2-car parking pad with 1-car garage and remotes
  • Includes Whirlpool refrigerator, electric stove, microwave and dishwasher
  • Washer/dryer connections
  • Landscaped yard with fenced in backyard
  • Home builder two-year warranty
  • Security system with motion detector

AMENITIES AND ATTRACTIONS

  • H-E-B Grocery Store #189
  • Surrounded by various City of San Antonio Parks
  • Close to major universities, including Our Lady of the Lake and St. Mary’s University
  • Easy access to IH-10
  • Memorial High School in the Edgewood Independent School District

2025 HUD Income Limits for San Antonio

60% AMI

Household SizeMax Total Income
1$40,620
2$46,380
3$52,200
4$57,960
5$62,640
6$67,260
7 $71,880
8$76,560

80% AMI

Future homes will be available to eligible homebuyers who meet 80% AMI income levels in 2025.

Household SizeMax Total Income
1$54,150
2$61,850
3$69,600
4$77,300
5$83,500
6$89,700
7 $95,900
8$102,050

APPROVED CLASSES
City of San Antonio

City of San Antonio Homebuyer Education Course
1400 S. Flores, San Antonio, TX 78204
WEBSITE

Neighborhood Housing Services

Neighborhood Housing Services SA
847 Steves Ave, San Antonio, TX 78210
210.533.6673
WEBSITE

FRAMEWORK

Online Course
WEBSITE

Money Management International

Online Course
WEBSITE

FAQS
What are the eligibility requirements for the MIH Program?

Middle Income Homeownership Program (MIHP) Eligibility requirements are as follows:

  • Must be a first-time homebuyer or have not owned a home within the past 18 months
  • Must be primary residence/owner occupied
  • Must complete a HUD approved Homebuyer class with proof of certification
  • Must be approved through a mortgage lender for a Federal Housing Administration (FHA), Veterans Affairs (VA), or Conventional mortgage loan
  • Homes are subject to a 10-year appreciation recapture provision
  • Households incomes must be at or below annual HUD Income Limits for 2025 of 60–80% AMI or below.
  • Must be a resident of Bexar County, Texas
How can I apply?

To submit an offer for one of these houses, please contact your real estate agent. If you do not have one, you may contact our Broker at Xsellence Realty, Robert Saenz at [email protected] or 210.592.4285.

How soon should I begin the application process?

Our homes must be listed for 30 days before we can accept offers. You may begin submitting offers on December 1, 2024.

Should I get pre-qualified first?

Yes. All interested parties should work with a lender to determine if they are pre-approval for a mortgage loan.  

Are there Homebuyer Classes available to me?

Yes, please see the approved classes above.

Is there a list of preferred lenders that Opportunity Home recommends?

While Opportunity Home cannot steer you to any one particular lender, we encourage potential homebuyers to search options to determine which lenders have programs for first-time buyers.

Can I use my own banks’ mortgage department?

Potential homebuyers are welcomed to use their own bank’s mortgage department if feasible.

Does Opportunity Home have a selected real estate company and title company?

Yes, Opportunity Home works with a contracted Broker and title company (listed below).

Xsellence Realty
Robert Saenz
[email protected]
210.592.4285
12415 Bandera Rd. #108, Helotes, TX 78023

Alamo Title Company
Emma Clark
210.490.1313
2915 W Bitters Rd, Suite 301, San Antonio, Texas 78248

What is the affordability period and the goal of the homeownership program?

The affordability period is 20 years. The goal of the program is to help middle-income families purchase a home. A total of 25 Affordable Homes will be constructed with (5) in Villas de Fortuna, (11) in Palm Lake and (9) in Sunflower subdivisions to purchase on the Westside of San Antonio. The one-story houses start at $165,000 and go up to $185,000 and are specifically for first-time home buyers who qualify for the Middle Income Homeownership Program under the designated AMI’s listed above for 2025 HUD Income Limits.

What if I already have completed a HUD approved homebuyer class?

We accept certificates one year from the date it was taken if it was taken by one of our approved classes.

AVAILABLE HOMES

602 Villa Linda

$180,000
Floor Plan: Ouzel
1,273 sqft
3 BED, 2.5 BATH

Coming Spring 2026

606 Villa Linda

$185,000
Floor Plan: Hornbill
1,309 sqft
3 BED, 2.5 BATH

Coming Spring 2026

610 Villa Linda

$167,000
Floor plan: Gannet
1,101
2 BED, 2.5 BATH

Coming Spring 2026

611 Villa Linda

$175,000
Floor plan: Petrel
1,267
3 BED, 2.5 Bath

Coming Spring 2026

614 Villa Linda

$165,000
Floor Plan: Dunnock
1,101 sqft
2 BED, 2.5 BATH

Coming Spring 2026

615 Villa Linda

$167,000
Floor plan: Gannet
1,101
2 BED, 2.5 BATH

Coming Spring 2026

618 Villa Linda

$175,000
Floor plan: Petrel
1,267
3 BED, 2.5 Bath

Coming Spring 2026

FOR MORE INFORMATION

If you have any questions or concerns, please contact development services at 210.477.6023 or [email protected].

Please check the website for regular updates.