Downpayment and Closing Cost Program


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. The loan funds may be used to pay downpayment and closing costs on the purchase of a new or re-sale home.  Properties eligible for assistance include single-family homes, condominiums, townhomes and manufactured homes on a permanent foundation. The appraised value/purchase price of the property may not exceed $390,000.  Participants must contribute a minimum of one percent of the purchase price from their personal funds.  For additional information, please read the DCCA/CalHome Program Overview.

Qualifying Income
The total gross annual income of the entire household must not exceed 80% of the San Diego County Area Median Income AMI.

Eligible Areas
The home you purchase must be in an unincorporated area of San Diego County or in the city of Carlsbad, Coronado, Del Mar, Encinitas, Imperial Beach, La Mesa, Lemon Grove, Poway, San Marcos, Santee, Solana Beach or Vista. For all other cities, please contact the appropriate agency in each city for more information.

How to Apply
The County of San Diego has partnered with the San Diego Housing Commission (SDHC) to administer the Downpayment and Closing Cost (DCCA) Program.  To participate in the San Diego County HOME Consortium Homebuyer DCCA Program, you must first apply for and obtain a first trust deed loan approval through one of the mortgage lenders pre-approved by SDHC.  Please choose your lender from this pre-approved lender list.

You must complete a HUD-approved Homebuyer Education Class. Please see the attached list of HUD-approved Homebuyer Education Providers.  

To become a participating lender, please check SDHC's lenders site.

For more information, please contact Carrie Tapia with the San Diego Housing Commission at