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 of the property may not exceed $451,250 for a single-family detached residence, $312,000 for a re-sale condominium/townhome, or $377,000 for a new condominium/townhome purchase.  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 Coronado, Del Mar, Imperial Beach, Lemon Grove, Poway or Solana Beach. For all other cities, please contact the appropriate agency in each city for more information. 

How To Apply 

Find your own licensed lender and schedule an appointment.  Inform the lender that you are interested in both the DCCA/CalHome and Mortgage Credit Certificate (MCC) Programs.  The lender will prepare and submit your applications.

You must complete a HUD-approved Homebuyer Education Class. To register, please go to, or call 800-308-2227, x4806. Other HUD approved agencies can be found on the HUD Approved Housing Counseling list.

Please review the Lender Instructions for program procedures and to submit an application for your clients.  Complete all forms and documents in the Lender Package.  No lender training is required.

For more information, please call (858) 694-4810.