Home Buyers and Homeowners Programs Overview
We have several programs to help homeowners and home buyers and sometimes there are changes in these programs. To get an email update when something changes sign up here.
The Housing Repair Loan and Grants Program
The Housing Repair Loan and Grants Program provides loans or grants for repairs made to owner-occupied homes.
Down Payment and Closing Cost Assistance
Deferred payment loans are available for low-income, first-time buyers through the Down Payment and Closing Cost Assistance Program. In addition, the Mortgage Credit Certificate (MCC) Program (on the Down Payment and Closing Cost Assistance Program page) can help qualified first-time homebuyers reduce their federal income tax by up to 20 percent of the annual interest paid on a mortgage loan.
Energy Saving Programs, Bill Payment Assistance and Rebates
Energy saving programs, bill payment assistance and rebates are available through SDG&E and your local water authority. Please visit Energy Savings.
Homeownership / Landlord Information
If you buy a foreclosed home that is being rented by someone using Section 8 Housing Choice Voucher or other public rental assistance, you must respect the existing lease and allow them to live there until the lease expires.
Even if the lease expires in less than 90 days, you must give the residents a 90-day notice to vacate. This is a relatively new law that went into effect in 2009.
There is one exception to this rule. If you intend to live in that home as your primary residence you may give them a 90-day notice to vacate the home no matter when the lease expires. Please see: U.S. Department of Housing and Urban Development notice.
If you want to sell a home that houses a Section 8 renter and is not in foreclosure, you must contact HCD before the sale.
The rental assistance contract and lease terminate when the property is sold, but the new owner and HCD may transfer the rental assistance payments and allow the renters to continue living in the home.