Homebuyer Information
As a mission driven organization, we build high quality single-family homes for those that are priced out of San Antonio's market.
Check out our requirements below to see if you qualify.
2025 Income Limits
Total household income must be at or below 120% of the Area Median Income (AMI). The below chart shows the maximum allowable income by household size.
Monthly PITI payment (principal, interest, taxes and insurance) cannot exceed 33% of the household's gross monthly income. Your lender will certify that your household meets the income requirements.
Homebuyer Education
Cross Timber Homes provides you with the knowledge and skills necessary to be a successful homeowner. Required classes for Cross Timber Homebuyers include:
- First Time Homebuyers - The Homebuyer Education Program is a comprehensive program that is based on standardized curriculum.
- Home Repair Essentials - This hands on class teaches you the skills to make common repairs and preventative maintenance for your home.
Homebuyer Certification
Cross Timber builds and sells high-quality, affordable homes to first-time homebuyers—not investors.
- Homebuyers must self declare that they will remain in home a minimum of 10-years
- Resale restrictions may apply during this 10-year period
Builder's Deposit
Homebuyers will be required to put 1% of the purchase price in an escrow account before construction begins. When construction is complete, the builder's deposit will be credited toward the down payment or closing costs.
We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.