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

By Tyler Thompson · Licensed Real Estate Agent

Administered by:
San Diego Housing Commission (SDHC)
 · City · Deferred Loan
Funding status: Active

How much assistance

$40,000 deferred down payment loan plus a $10,000 closing cost grant ($50,000 total)
4% simple interest. No payments in years 1 to 5; from year 6 the loan converts to a 120-month fixed amortized loan. The closing cost grant is forgiven after 3 years of owner occupancy.

Eligibility

  • Income limits: 80% to 150% of San Diego County AMI.
  • Purchase price limit: $1,250,000
  • First-time buyer required: Yes —
  • Geographic restrictions: City of San Diego only (ZIP codes beginning 921).
  • Homebuyer education required: Yes

Free eligibility check

Up to $40,000 in assistance. Check if you qualify for City of San Diego First-Time Homebuyer Program (Middle-Income).

  • Free
  • No credit check
  • Takes 2 minutes

Are you a first-time homebuyer?

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How soon are you looking to buy?

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Learn More About Homebuying Assistance

Cities Where This Program Is Available (1 city across 1 state)

California (1 city)