12/04/2023

Embarking on the journey of homeownership in San Diego just became easier, thanks to a variety of Down Payment Assistance (DPA) programs designed to turn your homebuying aspirations into reality. Catering to first-time homebuyers, these programs offer financial aid that can be the deciding factor in purchasing your new home.

SDHC – City of San Diego Low Income < 80% AMI Program

For low-income individuals dreaming of homeownership within the vibrant City of San Diego, the SDHC program offers a beacon of hope. With a down payment assistance of 25% and additional grants for closing costs up to $10,000, this program is designed to make your transition into homeownership as smooth as possible. Whether you’re looking at an attached unit or a single-family detached home, the sales price limits ensure that you have plenty of options to find your perfect home. Secure your future with a 30-year deferred payment plan at 0% interest and take your first confident step towards owning a piece of San Diego.

BIPOC Program 80% – 150% AMI
The BIPOC Program in the City of San Diego stands out by offering a unique opportunity for buyers from diverse backgrounds. With providing a loan or grant for down payment and closing costs, this initiative is breaking down barriers to homeownership. The program supports a wide range of income levels and sets a high sales price limit, affirming its commitment to inclusive housing opportunities. Experience the benefits of a deferred loan with minimal interest and a focus on equity and accessibility for all.

County of San Diego Low-Income < 80% AMI Program
Stretching beyond the city limits, San Diego County’s Low-Income DPA program provides a 17% down payment assistance for those earning less than 80% of the AMI. With closing cost assistance that can go up to $10,000, this program ensures that the suburbs are within your reach. Whether it’s an attached or detached home you’re looking for, the program’s flexibility and the included sales price limits cater to a variety of preferences and needs. With a 30-year deferred payment plan, your dream home in the county is closer than ever.

County of San Diego Moderate-Income 80% – 120% AMI Program
Acknowledging the aspirations of moderate-income earners, San Diego County offers a DPA program tailored to those earning between 80% and 120% of the AMI. With the same 17% down payment assistance, this program expands your options. The program respects the diversity of housing needs, offering a consistent approach for both attached and detached homes. Plan your future with confidence with a 30-year deferred payment plan, ensuring long-term stability as you put down roots in San Diego County.

City of Chula Vista Low Income < 80% AMI Program
For those eyeing the coastal charm of Chula Vista, the city’s DPA program offers low-income earners (<80% AMI) a chance to own a home with 22% up to $120,000 assistance, this amounts can be used toward down payment and closing costs. With sales price limits tailored to the local market, Chula Vista is committed to making sure you find a home that fits both your dreams and your budget. Enjoy the beauty of coastal living with a financial boost from the city you’ll soon call home.

City of El Cajon Low Income < 80% AMI Program
El Cajon’s DPA program presents a golden opportunity for low-income buyers to own a home in this inviting suburb. Offering 22% up to $150,000 down payment assistance for a range of housing types, including single-family residences, townhomes, and manufactured homes, El Cajon ensures that you have options to suit your lifestyle. Step into the comfort of your own home in El Cajon with a program that supports your homeownership journey every step of the way.

Take the Next Step Towards Homeownership
Welcome to a future where your home in San Diego is not just a dream but a tangible destination. Contact our housing specialists today to find out which DPA program is the right key to unlock your new home!

Video: San Diego First-Time Homebuyer Programs-Unlock the Door to Your Dream Home

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