San Diego County First-Time Homebuyer Program, Low Income

San Diego County / San Diego Housing Commission (SDHC)

Waitlist Home Repair

About This Program

San Diego County First-Time Homebuyer Program, Low Income is available to homeowners in San Diego, CA.

San Diego County's Low-Income First-Time Homebuyer Program (administered by SDHC) provides deferred loans covering up to 22% of the purchase price at 3% simple interest for households below 80% AMI, plus up to $10,000 in closing cost assistance. The program serves 12 participating cities and unincorporated County areas. Minimum 3% down payment required.

Below 80% AMI; first-time buyer; minimum 3% down payment; participating cities and unincorporated County only

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

  • Serves 12 cities and unincorporated San Diego County
  • Income below 80% AMI; minimum 3% down payment required
  • Deferred loan, no payments unless you sell or refinance
  • Closing cost loan up to $10,000 at 4% simple interest
  • No current funding, join waitlist through SDHC

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.

Get matched with a contractor

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: No current funding as of Feb 2026, contact for waitlist

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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Frequently asked questions

Who qualifies for San Diego County First-Time Homebuyer Program, Low Income in San Diego?

San Diego County First-Time Homebuyer Program, Low Income is open to homeowners in San Diego, CA. It prioritizes low-income households.

How do I apply for San Diego County First-Time Homebuyer Program, Low Income in San Diego, CA?

Apply directly with San Diego County / 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. Deadline: No current funding as of Feb 2026, contact for waitlist.

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