Buy in San Diego County with statewide and local DPA stacking.
San Diego County buyers, from downtown SD to North County coastal communities, qualify for statewide California DPA plus several region-specific programs. With San Diego's high cost-of-entry, stacking these programs is often the difference between getting into the market and staying on the sidelines.
Up to 3.5% deferred second mortgage. Works with FHA, VA, USDA, Conventional. San Diego's 2026 county loan limit is $1,104,000, giving meaningful dollar-value assistance.
Up to 5% grant, never repaid. Stack with FHA, VA, or Conventional. No first-time-buyer requirement. One of the most flexible programs in San Diego.
City-specific DPA for purchases within City of San Diego limits. Income-restricted; favorable terms with deferred or forgivable structures.
County-administered Home Ownership Program for buyers in unincorporated San Diego County. Provides silent second mortgage assistance.
FHA-paired DPA up to 5%. Forgivable after 36 months of on-time payments. Helpful for buyers who don't qualify for income-restricted programs.
California public school teachers and employees: combine with CalHFA conventional for nearly-zero down payment scenarios in San Diego.
Income limits: San Diego County income limits for most CalHFA programs run $245,000-$320,000+ depending on family size and program.
Maximum purchase price: Maximum purchase price for CalHFA programs in San Diego County is up to $1,104,000 in 2026 (county conforming loan limit).
Free 2-minute eligibility check across all San Diego County programs. No credit pull, no obligation.
Verify current guidelines, income limits, purchase price limits, and funding availability directly with the issuing agencies. Programs are real, but they have to be matched carefully to the buyer, property, county, income limits, and current funding availability.