San Diego County First-Time Homebuyer Program, Low Income
San Diego County / San Diego Housing Commission (SDHC)
About This Program
The Grant Map catalogs San Diego County First-Time Homebuyer Program, Low Income in its San Diego, CA research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.
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
Record set last reviewed 2026-04-03. How we verify our data.
Other published resources for San Diego, CA, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- SDHC Housing Rehabilitation Program, Home Repair Grant Up to $15,000 grant for emergency/accessibility repairs
- SDHC ADU Finance Program Up to $250,000 construction-to-permanent loan at 1%-4% fixed
- SDHC First-Time Homebuyer Program, Low Income Up to 19% of purchase price (max ~$125,000 loan) + $10,000 closing cost grant
- SDHC First-Time Homebuyer Program, Middle Income $40,000 deferred loan + $10,000 closing cost grant
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
Confirm the current application route with the administrator. Verified official forms and steps appear below when available.
Prepare your application
Review the likely documents and download a blank preparation checklist. The blank PDF does not include saved personal details.
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).
Already sent us your project details? Sign in to download a preparation sheet with those details. For supported VA programs, you can also get a partially completed official form.
Open my application toolsRequirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.
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Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
You may need a contractor or estimate
Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in San Diego.
Get matched with a contractorOur record classifies the structure as a forgivable loan. Confirm repayment, forgiveness, residency, and any lien terms with the administrator.
Each administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.
Deadline: No current funding as of Feb 2026, contact for waitlist
Questions about this program?
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Frequently asked questions
What audience tags are recorded for San Diego County First-Time Homebuyer Program, Low Income in San Diego?
The directory record carries audience tags for homeowners. It also carries a low-income tag. These tags do not establish eligibility; confirm the complete current rules with the administrator.
How do I apply for San Diego County First-Time Homebuyer Program, Low Income in San Diego, CA?
Confirm the application route directly with San Diego County / San Diego Housing Commission (SDHC); use the cited source on this page as a starting point or call (619) 578-7788. Confirm any fee or cost with the administrator. Deadline: No current funding as of Feb 2026, contact for waitlist.
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Find More Programs in San Diego, CA
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
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