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San Diego Down Payment Assistance Programs

Although San Diego County has some of the least affordable housing in the country, first-time homebuyers have a unique opportunity to access local programs and resources to make dreams of owning a home come true.

From deferred loans, and homeownership grants, to down payment and closing cost assistance, the programs listed below provide the support needed for first-time buyers to purchase homes in the City of San Diego or throughout the County of San Diego.

San Diego Housing Commission (SDHC)

SDHC offers deferred loans and homeownership grants to help low- and moderate-income families buy their first homes. The SDHC First-Time Homebuyer Program can assist with the purchase of a single-family home, townhome or condominium in the City of San Diego.

For the City of San Diego, SDHC offers a 3% Interest, Deferred-Payment Loan Program, Closing Costs Program and Closing Costs Forgivable Loan Program.

These programs are funded primarily through federal U.S. Department of Housing and Urban Development (HUD) HOME Investment Partnerships Program grants to the City of San Diego that are administered by SDHC.

County of San Diego First-Time Homebuyer Down Payment & Closing Cost Assistance Program

This County Department of Housing and Community Development Program serves all unincorporated areas of the County of San Diego as well as the cities of:



Del Mar


Imperial Beach

La Mesa

Lemon Grove


San Marcos


Solana Beach


Eligible families with incomes at or below 80% of San Diego’s Area Median Income (AMI) may apply for a 3 percent interest, deferred-payment loan of up to 17 percent of the purchase price for down payment plus up to 4 percent of the purchase price for closing costs to purchase a single-family home, townhome or condominium in one of the County of San Diego program areas.

No payments are required for 30 years unless the owner sells or no longer occupies the home as a primary residence, at which time the principal balance, including accrued interest, must be repaid.

To learn more about down payment assistance programs, contact me today!

(858) 649-3593

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