San Diego County Buyer Help
A local real estate and lending team will identify every down payment and closing-cost assistance program that may fit your situation — free of charge, no obligation.
60-second check
Tell us a little about your situation — we'll follow up with every program that may fit.
Program examples
Examples of programs buyers often ask about in San Diego County and California. Final eligibility depends on income, location, property type, loan approval, and program funding.
City of San Diego
Of purchase price as a deferred loan + up to $10,000 closing-cost grant. No monthly payments. Income at or below 80% AMI.
City of San Diego
Deferred down-payment loan + $10,000 closing-cost grant. For buyers earning 80–150% AMI. No monthly payments.
San Diego County
Of purchase price for moderate-income first-time buyers. Available county-wide — Chula Vista, El Cajon, Escondido & beyond.
Statewide · CalHFA
Of purchase price as a deferred loan for down payment or closing costs. Stackable with other programs for maximum benefit.
Statewide · GSFA
Of loan amount for down payment and closing costs. Available to first-time and repeat buyers. Min. 640 credit score.
Veterans & Active Military
No down payment. No mortgage insurance. One of the best loan products ever created — exclusively for those who've served.
Simple process
Tell us your timing, income range, and buyer situation so we can start in the right direction.
We identify which assistance options may apply based on your location, income, and financing fit.
Joanne handles loan options, program requirements, and documentation to get you pre-approved fast.
David helps you search, write offers, and stay within the guidelines of your assistance program.
Local guidance
Real Estate Agent · Compass
San Diego native with nearly 20 years in real estate — including a VP-level role supporting agents nationwide before launching his own Compass practice. David knows this market and how to get buyers across the finish line.
(619) 309-7326
Mortgage Advisor · Origin Point
With over 20 years of industry experience and a deep underwriting background, Joanne has a true passion for empowering buyers with knowledge and guiding clients through every step of the process from beginning to end.
(619) 719-1624Common questions
Many programs are designed for first-time buyers, but definitions and exceptions vary. Some options may also apply if you haven't owned in several years.
Some programs may help with closing costs, down payment, or both. The best answer depends on the program, loan type, and property location.
Submitting this form does not run your credit. A lender will explain when a credit review is needed as part of the pre-approval process.
That's perfectly normal. The earlier you understand the rules, the easier it is to build a plan around savings, credit, documents, and timing.
A deferred loan means no monthly payments. The balance is typically repaid when you sell, refinance, or move out of the home.
VA loans have unique rules around secondary financing. Joanne can walk through what combinations are allowed and how to maximize your benefit.
Send the quick eligibility form and we'll help you understand which San Diego County and California assistance options may fit — no pressure, no obligation.