HELP Funds

For a limited time, if eligible, you may receive a $20,000 down payment assistance grant for the purchase of a primary, owner-occupied residence through the HELP Funds* down payment program. The assistance is fully forgivable after you live in the home as your primary residence for five years.

Program repayment requirements for down payment assistance grant:

  • Grant is forgivable; 20% each year for five years
  • Prorated balance due is repayable if the property is sold, refinanced, foreclosed, not owner-occupied as the primary residence or transfers title within the first five years
  • No cash out refinance is permitted

Borrower eligibility

  • Household income cannot exceed 80% of the Area Median Income (AMI), adjusted for family size in the county in which you purchase your home
  • Must be a first-time homebuyer
  • Must have at least $500 of your own funds for down payment

Property eligibility

  • Single family detached
  • Property must be owner-occupied primary residence

Homebuyer education requirements

  • Homebuyer education course is required and must be conducted by a HUD-approved counseling agency that has adopted the National Industry Standards for Homeownership Education and Counseling prior to closing

First mortgage requirements

  • To receive the down payment assistance, you must be approved for a first mortgage loan

2024 Income Limits

(Updated by Department of Housing & Urban Development annually)

AMI 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
80% Limit $49,200 $56,240 $63,280 $70,240 $75,920 $81,520 $87,120 $92,720

Why choose Jefferson Bank for your mortgage needs?


The San Antonio area has been our home for more than 75 years. Our experienced  team is familiar with the unique needs of the region. We’ve helped thousands of local residents realize their goal of home ownership.


Home Loans Made Easier
Home Loans Made Easier

Manage the entire home loan process with the Jefferson Bank Home Loan App. It’s quick, simple, and secure. You can get prequalified and apply for your home loan from the convenience of your smart device. Scan and securely upload documents and receive step-by-step notifications of your loan progress. It’s free and you can download it from the App Store or Google Play.

Personal Service
Personal Service

This is personal to us. Those aren’t just words, it’s the core business philosophy we live by everyday. Our team is dedicated to exceeding expectations with an unrivaled level of personalized service.

Ongoing Support
Ongoing Support

Our commitment to you doesn't end at closing. We’re always here with quick responses to your ongoing needs and questions. We’re your home base for home loans, now and in the future.

Competitive Rates
Competitive Rates Icon

Best of all, you’ll have access to our experience and service while still enjoying competitive financing rates.

Notices & Disclosures

All loans subject to credit approval.

*HELP Funds are made available to Member Institutions of the Federal Home Loan Bank. HELP Funds are limited and subject to availability.

While Jefferson Bank does not charge fees for the use of mobile banking, standard internet service rates may apply. Check with your service provider for details.