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City of San Diego First-Time Homebuyer Program (Low-Income)

By Tyler Thompson · Licensed Real Estate Agent

Administered by:

San Diego Housing Commission (SDHC)

· City · Deferred Loan

Funding status: Active

How much assistance

Deferred loan up to 17% of the purchase price (max $125,000) plus a closing cost grant of 4% of the price (max $10,000)

3% simple interest, no payments for 30 years unless the owner sells or stops living in the home; principal and interest are then due. The closing cost grant is forgiven.

Eligibility

Income limits: Up to 80% of San Diego County AMI (2026 SDHC chart).
Purchase price limit: $883,025
First-time buyer required: Yes —
Geographic restrictions: City of San Diego only (ZIP codes beginning 921). Buyer pays a minimum 3% down.
Homebuyer education required: Yes