San Diego County First-Time Homebuyer Program, Moderate Income

San Diego County / San Diego Housing Commission (SDHC)

Available Home Repair

About This Program

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

San Diego County's Moderate-Income First-Time Homebuyer Program (administered by SDHC) provides deferred loans of up to 17% of the purchase price at 3% simple interest for households earning 80-120% AMI. The program covers unincorporated County and participating cities with a minimum 3% down payment requirement.

Income 80-120% AMI; first-time buyer; minimum 3% down payment; must 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, active program
  • Income 80-120% AMI; minimum 3% down payment
  • Deferred loan, no payments until sale or refinance
  • Covers unincorporated County and participating cities
  • Must complete homebuyer education course

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: Rolling

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, Moderate Income in San Diego?

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

How do I apply for San Diego County First-Time Homebuyer Program, Moderate 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.

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