Central Texas
Guadalupe County
Guadalupe County (Seguin, Schertz, Cibolo) sits on San Antonio's growing northeast edge, popular with families and military buyers alike. If your income fits the limit, TSAHC or TDHCA may put thousands toward your down payment and closing costs, with an MCC tax credit on top. TSAHC's 2026 limits in Guadalupe County may reach about $157,358 for Home Sweet Texas and $178,339 for Homes for Texas Heroes, at any household size.
Quick Facts
- County seat Seguin
- Region Central Texas
- Population 175,000
- Home Sweet Texas income limit (non-targeted) ~$157,358
- FHA loan limit $557,750 Source: hud.gov
- FIPS code 48187
What Buyers Should Know
Guadalupe County is the northeast SA metro gateway, anchored by Seguin (county seat), Cibolo, Schertz (partial), and Selma. SCUCISD covers the urbanized west end; Seguin ISD and other smaller districts serve the rural east. The JBSA-Randolph BAH commuter zone reaches deep into Cibolo and Selma. Many Guadalupe County buyers may qualify for state-level TSAHC and TDHCA programs. The county touches three MSAs at the edges — primarily SA-NB but also Austin-Round Rock at the far northeast and parts of the San Marcos commuter shed. Property tax averages around 1.78% (verify at Guadalupe Appraisal District). No city-level DPA programs in Guadalupe County; route to TSAHC and TDHCA.
Income Limits
Guadalupe County Down Payment Assistance Income Limits
| Program | Max household income (non-targeted) | Max purchase price |
|---|---|---|
| Home Sweet Texas (TSAHC) | up to ~$157,358 (any household size) | bond DPA or MCC only: up to ~$583,580 |
| Homes for Texas Heroes (TSAHC) | up to ~$178,339 (any household size) | bond DPA or MCC only: up to ~$583,580 |
| My First Texas Home (TDHCA) | up to ~$104,725 (1–2 persons) / ~$120,434 (3+) | up to ~$583,580 |
| My Choice Texas Home (TDHCA) | up to ~$172,720 (conventional) / ~$178,033 (FHA/VA/USDA) | No purchase price limit |
| Figures show approximately how high non-targeted-area limits may reach for the standard above-80%-AMFI tier. TSAHC limits apply at any household size, and Homes for Texas Heroes has a higher limit than Home Sweet Texas; TSAHC's purchase price limit applies to bond-funded assistance and the MCC. My First Texas Home varies by household size and is for first-time buyers using FHA, VA, or USDA loans. My Choice Texas Home adds repeat buyers and conventional financing and has no purchase price limit. Limits may be higher in HUD-targeted census tracts and change periodically, so confirm your county's current figure with a participating lender before applying. | ||
Source: TSAHC county income limits + TDHCA Income & Purchase Price Limits
Loan Limits — Guadalupe County
VA
VA loans are uncapped above conforming limits for full-entitlement veterans.
Cities in Guadalupe County
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Cibolo Down Payment Assistance: 2026 Programs & Income Limits
Down payment assistance for Cibolo, TX families. TSAHC and TDHCA may put up to ~5% toward your down payment, and most homes fit. See if you qualify.
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New Braunfels Down Payment Assistance: 2026 Programs & Income Limits
Down payment assistance for New Braunfels, TX. TSAHC and TDHCA may put up to ~5% toward your down payment, even as prices rise. See if you qualify.
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Seguin Down Payment Assistance: 2026 Programs and Limits
Seguin is the affordable end of the I-10 corridor, and the price cap never binds here. See which programs may put up to about 5% toward your costs.
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School Districts in Guadalupe County
School District pillars for this county are coming soon.
Related Guides
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Boerne Down Payment Assistance: 2026 Limits for Kendall County
Kendall County carries unusually generous income limits, up to ~$209,550. In Boerne the price cap is the real constraint, not your paycheck. See what fits.
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Seguin Down Payment Assistance: 2026 Programs and Limits
Seguin is the affordable end of the I-10 corridor, and the price cap never binds here. See which programs may put up to about 5% toward your costs.
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Buda Down Payment Assistance: 2026 Programs and Limits
Hays County carries some of the highest assistance limits in Texas. Buda buyers may qualify at incomes up to approximately $201,600. See where you actually land.
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Hutto Down Payment Assistance: 2026 Guide for Buyers
You do not need to be a first-time buyer in Hutto. Williamson County limits may reach ~$228,480 with My Choice Texas Home. See which programs fit you.
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