City of El Cajon First-Time Homebuyer Assistance Program

City of El Cajon / San Diego Housing Commission (SDHC)

Available Home Repair

About This Program

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

The City of El Cajon, administered by SDHC, provides first-time homebuyers a deferred loan of up to 30% of the purchase price at 3% simple interest. Maximum loan is $170,000 for single-family homes and townhomes, or $120,000 for condominiums. Maximum purchase price is $698,000. Households must be at or below 80% AMI and must complete homebuyer education. Minimum 2% down payment required.

Income below 80% AMI; El Cajon properties only; first-time buyer; max purchase price $698,000; 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 El Cajon
  • Income below 80% AMI; max purchase price $698,000
  • Up to 30% of purchase price deferred, largest percentage available
  • Max $170,000 for SFR/townhome; $120,000 for condo
  • Apply through SDHC: (619) 578-7788

How to Apply

Get free help applying Visit Official Program Page Track this program

(619) 578-7788

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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

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Frequently asked questions

Who qualifies for City of El Cajon First-Time Homebuyer Assistance Program in San Diego?

City of El Cajon 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 El Cajon First-Time Homebuyer Assistance Program in San Diego, CA?

Apply directly with City of El Cajon / 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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