Need Help As First Time Home Buyer? San Diego County Can Help You!

California is a beautiful place to live. What isn’t there to like about our great state? We have beautiful beaches, plenty of scenic attractions and people from all walks of life.

California is also great place to start and raise a family but there is one issue that can hold people back from realizing this dream. The cost of housing. It is no secret that housing prices have shot up in San Diego County after the great recession.

In fact the median price of resale homes has continued to increase in June. The median price of an existing, single-family detached home in San Diego was $525,000 in June.  Year over year the increase is 15.3 percent!

While this is good news for homeowners, this is not so good news for buyers, especially first time buyers who tend to have lower budgets for the purchase of a home.


Even though housing prices have continued to rise, it is still possible to get the home that you want. You can get help from San Diego County with the purchase of your home. San Diego County has a down payment and closing cost assistance (DCCA) program that is available to you.

How Can They Help?

The County of San Diego offers low-interest deferred payment loans of up to $70,000 or 33% of the purchase price whichever is less for low-income first-time homebuyers. You can use the funds to pay a down payment or closing cost on the purchase of a new or used home. The appraised value of the property may not exceed $451,250 for a single-family detached residence.

What Are The Eligibility Requirements?

Here are some of the guidelines that you have to follow in order to qualify:

  • You must occupy the property as your primary place of residence.
  • You must contribute a minimum of one percent (1%) of the purchase price from your own funds.
  • You must not have owned a home or been on title of a home within the last three years.
  • You must complete a HUD Approved Homebuyer Education class.

The home that you purchase has to be in unincorporated San Diego County or in the city of city of Coronado, Del Mar, Imperial Beach, Lemon Grove, Poway or Solana Beach.

This program can help you buy the home you always wanted. If you have any questions about this program contact us today.

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