A silent second is a real possibility. A Affordable Home uses an income based formula to help people/families get into the housing market. Currently San Marcos has some town homes being built that are available. The silent second is down payment assistance from the city, no payments are made while you live in the home. When you sell the home the second is paid back. It can be a great deal for those who qualify.
Let me know, if you'd like to look at a silent second for your needs. I just put a family into a contract last week.