SDHC First-Time Homebuyer Program, Middle Income

San Diego Housing Commission (SDHC)

Available Home Repair

About This Program

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

SDHC's Middle-Income First-Time Homebuyer Program offers a $40,000 deferred down-payment loan at 4% simple interest for households earning 80-150% AMI. Loan payments are deferred for the first 5 years, then convert to fixed monthly payments for 10 years. A $10,000 closing cost grant is also available, forgiven after 3 years of owner-occupancy. Maximum purchase price is $1,250,000.

Income 80-150% AMI; first-time buyer; must complete homebuyer education; max purchase price $1,250,000

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 80-150% AMI; max purchase price $1,250,000
  • $40,000 deferred loan: 5-year deferral then 120-month repayment
  • $10,000 closing cost grant forgiven after 3 years of owner-occupancy
  • Must complete SDHC-approved homebuyer education

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?

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Frequently asked questions

Who qualifies for SDHC First-Time Homebuyer Program, Middle Income in San Diego?

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

How do I apply for SDHC First-Time Homebuyer Program, Middle 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.

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