San Diego County First-Time Homebuyer — Moderate Income (80–120% AMI)

About This Program

San Diego County's Moderate-Income First-Time Homebuyer Program, administered by SDHC, provides deferred loans of up to 17% of the home's purchase price at 3% simple interest for households earning 80–120% AMI. Serves unincorporated County areas and 12 participating cities. Minimum 3% down payment required. Loan is due upon sale, refinance, or cessation of owner-occupancy.

Income 80–120% AMI; first-time buyer in County jurisdiction; minimum 3% down payment; complete homebuyer education

Key Details

• Funds currently available
• Income 80–120% AMI; minimum 3% down payment
• Deferred — no payments until sale, refinance, or move-out
• Covers unincorporated County and 12 participating cities
• Apply through SDHC at (619) 578-7788

How to Apply

Deadline: Rolling — funds available