SDHC First-Time Homebuyer Program, Low Income

San Diego Housing Commission (SDHC)

Waitlist Home Repair

About This Program

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

The SDHC Low-Income First-Time Homebuyer Program provides a deferred loan of up to 19% of the purchase price (maximum ~$125,000) at 3% simple interest with no payments required for 30 years, plus a $10,000 closing cost grant that is forgiven. Income must be below 80% AMI and the purchase price must not exceed $883,025. No current funding as of February 2026.

Below 80% AMI; first-time buyer; must complete homebuyer education; no current funding, contact SDHC to join waitlist

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

  • Deferred 30-year loan, no payments unless you sell or move out
  • Income below 80% AMI; max purchase price $883,025
  • Additional $10,000 closing cost grant (fully forgiven)
  • Must attend SDHC-approved homebuyer education course
  • Currently no funding available, contact SDHC about waitlist

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: Currently no funds available as of Feb 2026, join 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 SDHC First-Time Homebuyer Program, Low Income in San Diego?

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

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

Apply directly with 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: Currently no funds available as of Feb 2026, join waitlist.

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