City of Chula Vista First-Time Homebuyer Assistance Program

City of Chula Vista / San Diego Housing Commission (SDHC)

Available Home Repair

About This Program

City of Chula Vista First-Time Homebuyer Assistance Program is available to homeowners in San Diego, CA.

The City of Chula Vista, administered by SDHC, provides first-time homebuyers with a deferred loan of up to 22% of the purchase price (maximum $120,000) at 3% simple interest for households below 80% AMI. The maximum purchase price is $807,500. No payments are required until the home is sold, refinanced, or no longer the primary residence. Must complete homebuyer education.

Income below 80% AMI; Chula Vista properties only; first-time buyer; max purchase price $807,500; minimum 2% down payment; complete homebuyer education

Official program page checked live on 2026-06-22.

Data last verified 2026-04-03. How we verify our data.

In San Diego, CA, you can combine this program with other local help to cut your cost:

Key Details

  • Funds currently available in Chula Vista
  • Income below 80% AMI; max purchase price $807,500
  • Deferred loan up to $120,000, no payments until sale/move-out
  • Minimum 2% down payment required
  • Apply through SDHC: (619) 578-7788

How to Apply

Get free help applying Visit Official Program Page Track this program

(619) 578-7788

A grant-savvy contractor in San Diego, CA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in San Diego early keeps your application moving.

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This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling, funds currently available

Questions about this program?

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Frequently asked questions

Who qualifies for City of Chula Vista First-Time Homebuyer Assistance Program in San Diego?

City of Chula Vista First-Time Homebuyer Assistance Program is open to homeowners in San Diego, CA. It prioritizes low-income households.

How do I apply for City of Chula Vista First-Time Homebuyer Assistance Program in San Diego, CA?

Apply directly with City of Chula Vista / San Diego Housing Commission (SDHC) using the official program link on this page or call (619) 578-7788. There is no middleman and no fee.

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