San Diego County First-Time Homebuyer Program — Low Income

About This Program

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

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

Deadline: No current funding as of Feb 2026 — contact for waitlist