San Diego First Time Homebuyer Programs and Assistance

Looking to buy your first home in San Diego? Several local programs can help reduce upfront costs and make homeownership more affordable.

San Diego Assistance Programs

• City of San Diego First Time Homebuyer Program: Deferred-payment loans for down payment and closing costs on homes within city limits.
• SDHC Assistance: The San Diego Housing Commission offers up to 17% down payment help through special programs.
• Mortgage Credit Certificate (MCC): Offers eligible buyers a federal tax credit of up to 20% of mortgage interest paid annually.

Affordability Snapshot

• Starter Home Prices: Entry-level condos and townhomes often range from $500K–$650K in areas like City Heights and College Area.
• Rent vs. Own: With assistance, monthly mortgage costs in neighborhoods like Encanto can be comparable to rent.

Find a San Diego Homebuyer Specialist

Work with an agent who knows First Time homebuyer programs and can guide you to eligible homes and financing options. Get expert help today.