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California Down Payment Assistance Programs

Helping Families Realize The Dream Of Homeownership Since 1990

NOT a government website

San  Diego County

Down Payment Assistance

Program Overview  -This is NOT a complete list of eligibility and qualification requirements. Contact me or San Diego Housing Commission additional for details

This is NOT free money.

The San Diego County deferred payment loan is NOT a grant, it is a LOAN.


is this program for?


does the program work?


properties are eligible?


much down payment do I need?


other else do I need to know?


do I apply??


is this program for?


This program is for First Time Homebuyers with a household income that does not exceed 80% of the area median income. The applicants and ALL household members over the age of 18 must be first time homebuyers. Anyone who has lived with the borrower a minimum of six months will be considered part of the household.


A first time homebuyer is defined as someone who has not had ownership of any real estate in the previous 36 months.

A displaced homemaker and a single parent who owned a home with his or her spouse while married and has a child that spends at least 51% of the time with him/her may be exempt for the 36 month rule.


The income limits for this program can be Found on the INCOME LIMITS PAGE


does the program work?

If you are a First Time Homebuyer and you and your household are eligible, you may qualify for

Down Payment Assistance -a second trust deed loan of up to 17% of the purchase price OR appraised value. whichever is less.

Closing Cost Assistance - Up to 4% of the purchase price up to $10,000


The loan does not require monthly payments BUT it does have an interest rate of 3%.


The principal balance and accumulated interest must be paid in full when one of the following events takes place:

  • At the end of a 30 year term
  • When the home is sold or title is transfered
  • When the home is no longer your primary residence
  • Upon discovery of willful misrepresentation or fraud in connection to any aspect of the loan program guidelines


This program helps homebuyers qualify for more home because the homeowner will not be making payments on all of the money borrowed and it can help avoid mortgage insurance as well


Example: (interest rates and sales prices are for illustration purposes only. They do not necessarily reflect available rates or prices)

Applicant can only qualify for a total payment of $2000 based on his/her qualifying income and other debts.

Sales Price

Down Payment

Down Payment Assistance

Loan Amount

Principal & Interest

Mortgage Insurance

Home Insurance

Property Taxes

Total Payment

No Down Payment Assistance










With Down Payment Assistance











properties are eligible?


  • Single family homes, town homes and condominiums adn manufactured homes on a permanent foundation located in all Unincorporated areas of San Diego County as well as the following cities : Carlsbad, Coronado, Del Mar, Encinitas, Imperial Beach, La Mesa, Lemon Grove, Poway, San Marcos, Santee, Solana Beach and Vista.

Get the list of the areas in San Diego that fall under the county program

  • The maximum sales price is $427,500 for attached properties and $598,000 for detached.
  • The property cannot be tenant occupied at the time of contract

The property must also meet the minimum housing quality standards as set by the San Diego Housing Commission.


much down payment do I need?


Down payment of 3% is required. This can come from savings, checking, investment, retirement accounts or from an immediate family member.


other else do I need to know?


As already mentioned, these guidelines are not the complete set of eligibility and qualification requirements but rather an over view.


  • Must be able to obtain loan approval for the primary loan
  • Applicants must complete a homebuyer education class
  • Minimum credit score: 640
  • No foreclosure or short sale in the previous 5 years
  • A credit report for a non-borrowing spouse is required. All debt of the non-borrowing spouse will be used in the debt-to-income ratio calculations.
  • All collections and judgments must be paid in full.
  • You must have a minimum of $1000 left in savings after the close of escrow
  • You cannot have more than $10,000 left in savings after closing.
  • Your  new total housing payment must be between 30%-38% of your gross income
  • Your new total housing payment plus all other household monthly debts cannot exceed 45% of your total gross income.


do I apply??


Applications are made through an approved participating lender

Laura Borja with Supreme Lending is an approved participating lender






Download the application worksheet


(866) 765-3804

To schedule an appointment


(619) 992-4061


Schedule Online


Download the application checklist

California Down Payment Assistance Programs




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1615 Murray Canyon Rd Ste 1020

San Diego CA 92108

Bilingual Loan Officer In San Diego