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Down payment assistance

Down payment assistance in Casa de Oro-Mount Helix, CA

135 programs a Casa de Oro-Mount Helix buyer could use — grants, forgivable loans, and tax credits. Free to explore, no SSN, no credit pull.

Free forever · No credit pull · 90 seconds

Programs available
135

Programs available

Open to first-time buyers
67

Open to first-time buyers

Forgivable
90

Forgivable

Largest award
$150,000

Largest award

135 programs

In San Diego County

19 programs

City of Chula Vista First-Time Homebuyer Program

Up to $120,000

Deferred second loan · Forgiven over 5 yrs · Income limits

First-time
Verified Jun 2026See details →

SDHC First-Time Homebuyer Middle-Income Program

Up to $40,000

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026See details →

SDHC H.O.P.E. Teacher Grant (San Diego & Poway USD)

LISC San Diego

Up to $40,000

Assistance grant · New construction · Income limits

First-timeEducators
Verified Jul 2026See details →

San Diego County Mortgage Credit Certificate (MCC) Program

Up to $2,000

Mortgage credit certificate · New construction · Income limits

First-time
Verified Jul 2026See details →

City of El Cajon First-Time Homebuyer Program

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jul 2026See details →

City of Escondido First-Time Homebuyer Assistance

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jul 2026See details →

City of La Mesa First-Time Homebuyer Assistance

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jul 2026See details →

City of National City First-Time Homebuyer Program

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jul 2026See details →

City of Oceanside First-Time Homebuyer Program

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026See details →

City of Poway Supporting Home Ownership in Poway (SHOP) Program

Assistance

Shared-appreciation loan · Income limits

First-time
Verified Jul 2026See details →

City of San Marcos First-Time Homebuyer Assistance

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jul 2026See details →

City of Vista First-Time Homebuyer Program

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jul 2026See details →

GSFA Assist-to-Own - San Diego County Employees

5.5% of price

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026See details →

GSFA Platinum Grant - San Diego County Specific

5.5% of price

Assistance grant · New construction · Income limits

Verified Jun 2026See details →

San Diego Community Land Trust - Affordable Homeownership

Assistance

Shared-appreciation loan · New construction · Income limits

First-time
Verified Jul 2026See details →

San Diego County DCCA (Downpayment and Closing Cost Assistance) Program

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026See details →

San Diego Habitat for Humanity - Homeownership Program

Assistance available

Down-payment assistance · New construction · Income limits

First-time
Verified Jul 2026See details →

San Diego Housing Commission (SDHC) Section 8 Homeownership Program

Assistance available

Down-payment assistance · New construction · Income limits

First-time
Verified Jul 2026See details →

Urban League of San Diego County HOPE Teacher Housing Grant Program

Grant

Assistance grant · Income limits

First-timeEducators
Verified Jul 2026See details →

Across California

54 programs

California Dream For All

Up to $150,000

Shared-appreciation loan · Income limits

First-time
Verified Jul 2026See details →

Bank of America Down Payment Grant - California

Up to $10,000

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026See details →

Wells Fargo Homebuyer Access Grant - California

Up to $10,000

Assistance grant · New construction · Income limits

Verified Jun 2026See details →

Bank of America America's Home Grant - California

Up to $7,500

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026See details →

Chase Homebuyer Grant - California DDA Areas ($7,500)

Up to $7,500

Assistance grant · New construction · Income limits

Verified Jul 2026See details →

Citi HomeRun Mortgage + Lender Credit - California

Up to $7,500

Assistance grant · New construction · Income limits

Verified Jul 2026See details →

Chase Homebuyer Grant - California ($5,000)

Up to $5,000

Assistance grant · New construction · Income limits

Verified Jul 2026See details →

Wells Fargo Dream.Plan.Home. Closing Cost Credit - California

Up to $5,000

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026See details →

Freddie Mac BorrowSmart Access (California)

Up to $3,000

Assistance grant · New construction · Income limits

First-time
Verified Jul 2026See details →

Bay Equity Home Loans CalHFA DPA Partner

3.5% of price

Deferred second loan · New construction · Income limits

First-time
Verified Jul 2026See details →

CalHFA CalPLUS Conventional + ZIP Combined Program

3% of price

Deferred second loan · Forgiven over 3 yrs · Income limits

First-time
Verified Jul 2026See details →

CalHFA CalPLUS FHA + ZIP Combined Program

3% of price

Deferred second loan · Forgiven over 3 yrs · Income limits

First-time
Verified Jul 2026See details →

CalHFA Dream For All Shared Appreciation Loan

20% of price

Shared-appreciation loan · New construction · Income limits

First-time
Verified Jun 2026See details →

CalHFA Forgivable Equity Builder Loan (FEBL)

10% of price

Forgivable loan · Forgiven over 5 yrs · Income limits

First-time
Verified Jun 2026See details →

CalHFA Mortgage Credit Certificate (MCC) Program

20% of price

Mortgage credit certificate · New construction · Income limits

First-time
Verified Jun 2026See details →

CalHFA MyAccess Assistance Program

3.5% of price

Deferred second loan · New construction · Income limits

First-time
Verified Jul 2026See details →

CalHFA MyHome Assistance Program

3.5% of price

Deferred second loan · Income limits

First-time
Verified Jul 2026See details →

CalHFA School Teacher and Employee Assistance Program (STEAP)

3% of price

Deferred second loan · New construction · Income limits

First-timeEducators
Verified Jun 2026See details →

CalHFA USDA Program with MyHome

3.5% of price

First mortgage · New construction · Income limits

First-time
Verified Aug 2026See details →

CalHFA VA Loan Program with MyHome

3.5% of price

Deferred second loan · New construction · Income limits

First-timeVeterans
Verified Jul 2026See details →

CalHFA ZIP Program

3% of price

Forgivable loan · Forgiven over 30 yrs · Income limits

Verified Jun 2026See details →

California FarmLink Farmworker Homeownership Program

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jul 2026See details →

CalSTRS CalPATH Teacher Home Loan and DPA - California

3.5% of price

Deferred second loan · New construction · Income limits

First-timeEducators
Verified Jul 2026See details →

CalVet Home Loan Program

Grant

Assistance grant · New construction · Income limits

Veterans
Verified Jul 2026See details →

Chenoa Fund FHA Forgivable DPA (3.5% - 36 month)

3.5% of price

Forgivable loan · Forgiven over 3 yrs · Income limits

Verified Jul 2026See details →

Chenoa Fund FHA Rate Advantage (Forgivable 3.5%)

3.5% of price

Forgivable loan · Forgiven over 3 yrs · Income limits

Verified Jun 2026See details →

Chenoa Fund FHA Repayable DPA (3.5%)

3.5% of price

Repayable second loan · New construction · Income limits

Verified Jul 2026See details →

Fannie Mae HomePath Ready Buyer Program - California

3% of price

Assistance grant · New construction · Income limits

First-time
Verified Jul 2026See details →

Fannie Mae HomeReady DPA (Participating Lender Grants)

Grant

Assistance grant · New construction · Income limits

First-time
Verified Jul 2026See details →

FHLBank San Francisco Affordable Housing Program (AHP) Set-Aside

Grant

Assistance grant · New construction · Income limits

First-time
Verified Jul 2026See details →

FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program

Grant

Assistance grant · New construction · Income limits

First-time
Verified Jul 2026See details →

FHLBank San Francisco WISH Program (Workforce Initiative Subsidy for Homeownership)

Grant

Assistance grant · Forgiven over 5 yrs · Income limits

First-time
Verified Jul 2026See details →

Golden State Finance Authority (GSFA) OpenDoors Conventional DPA

5% of price

Assistance grant · New construction · Income limits

Verified Jun 2026See details →

Golden State Finance Authority (GSFA) OpenDoors FHA DPA

5% of price

Assistance grant · New construction · Income limits

Verified Jun 2026See details →

GSFA Assist-to-Own Program (County Employees)

5.5% of price

Deferred second loan · New construction · Income limits

Verified Jul 2026See details →

GSFA OpenDoors Program

7% of price

Deferred second loan · New construction · Income limits

Verified Jun 2026See details →

GSFA Platinum Forgivable Loan

5.5% of price

Forgivable loan · Forgiven over 3 yrs · Income limits

Verified Jun 2026See details →

GSFA Platinum Grant Program

5.5% of price

Assistance grant · New construction · Income limits

Verified Jul 2026See details →

HCD CalHome Program (Direct State Allocation - Various Counties)

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jul 2026See details →

HomeFundIt Crowdfunding Down Payment Platform - California

Grant

Assistance grant · New construction · Income limits

Verified Jul 2026See details →

loanDepot Grand Slam Grant Program

Grant

Assistance grant · New construction · Income limits

Verified Jul 2026See details →

NACA Purchase Program - California

Deferred

Deferred second loan · New construction · Income limits

Verified Jul 2026See details →

NHF Sapphire Grant Program - California

5% of price

Assistance grant · New construction · Income limits

Verified Jul 2026See details →

NHF Sapphire Grant Program - FHA (California)

5% of price

Assistance grant · New construction · Income limits

Verified Jul 2026See details →

Patelco Credit Union CalHFA Partnership DPA

3.5% of price

Deferred second loan · New construction · Income limits

First-time
Verified Jul 2026See details →

ReCoverCA Homebuyer Assistance Program (DR-HBA)

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

Verified Jun 2026See details →

Redwood Credit Union Community Fund Down Payment Assistance

5% of price

Assistance grant · New construction · Income limits

First-time
Verified Jul 2026See details →

Self-Help Enterprises Down Payment Assistance - Central Valley

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jul 2026See details →

Self-Help Enterprises Homeownership Program (San Joaquin Valley)

Assistance available

Down-payment assistance · New construction · Income limits

First-time
Verified Jul 2026See details →

Springboard CDFI California Homebuyer Assistance

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026See details →

Tri Counties Bank / Self-Help Enterprises DPA - Central Valley

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jul 2026See details →

U.S. Bank Access Home Loan - California

3% of price

Assistance grant · New construction · Income limits

Verified Jun 2026See details →

UC Systemwide Mortgage Origination Program (UC MOP)

100% of price

Assistance grant · New construction · Income limits

Verified Jun 2026See details →

USDA Section 502 Guaranteed Loan - Rural California

100% of price

First mortgage · New construction · Income limits

Verified Jul 2026See details →

Federal

62 programs

U.S. Department of Veterans Affairs Specially Adapted Housing (SAH) Grant

Up to $126,526

Assistance grant · Income limits

NationwideVeterans
Verified Jul 2026See details →

America First Credit Union 100% No PMI Adjustable-Rate Mortgage

First mortgage

First mortgage

Nationwide
Verified Jul 2026See details →

American Pacific Mortgage 1% Home Program

0.02% of price

Assistance grant · Income limits

Nationwide
Verified Jul 2026See details →

American Pacific Mortgage Pathway DPA

Deferred

Deferred second loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026See details →

BluePoint Mortgage Zero-Down Home Loan

0.035% of price

Deferred second loan · Income limits

Nationwide
Verified Jul 2026See details →

BNY Down Payment Assistance

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026See details →

Chase Bank Homebuyer Grant

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Sep 2026See details →

Chico Rancheria Housing Corporation Homebuyer Assistance

0.25% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026See details →

Citibank, N.A. HomeRun Mortgage

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026See details →

Confederated Tribes of Grand Ronde Down Payment Assistance

0.2% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026See details →

CrossCountry Mortgage Community Promise

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jul 2026See details →

CrossCountry Mortgage Non-QM loans

Grant

Assistance grant

Nationwide
Verified Jul 2026See details →

CrossCountry Mortgage Smart Start Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwideTargeted area
Verified Jul 2026See details →

Direct Mortgage Loans Go Direct FHA 100% Financing

0.035% of price

Deferred second loan · Income limits

Nationwide
Verified Jul 2026See details →

Empowered DPA Program Down Payment Assistance

Deferred

Deferred second loan · Income limits

Nationwide
Verified Jul 2026See details →

Essex Mortgage 10 Year Amortized 2 Plus

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026See details →

Essex Mortgage Forgivable/Deferred Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026See details →

Fairway Independent Mortgage Corporation Affordable Housing

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026See details →

Fairway Independent Mortgage Corporation HOPER's Incentive Program

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jul 2026See details →

First Bank Thrive Mortgage Loan

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jul 2026See details →

Flagstar - Flagstar Gift Program

0.03% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026See details →

Great Nevada Mortgage Middle-Income Downpayment Assistance Grants

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026See details →

Guild Mortgage 1% Down Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026See details →

Guild Mortgage 3-2-1 Home Plus Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026See details →

Guild Mortgage Doctor and Medical Professionals Program

Grant

Assistance grant

Nationwide
Verified Jul 2026See details →

Guild Mortgage MyPath2Own Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwide
Verified Jul 2026See details →

Guild Mortgage Zero Down Mortgage Program

Deferred

Deferred second loan · Income limits

First-timeNationwideTargeted area
Verified Jul 2026See details →

HSBC Bank USA CommunityWorks

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026See details →

HSBC Bank USA CommunityWorks Opening Doors Home Loan Grant

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026See details →

Lakeview National Down Payment Assistance Homeownership Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026See details →

Land Home Financial Services, Inc. House2Home Program

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026See details →

Lennar Mortgage Advantage Plus Program

Grant

Assistance grant · New construction

Nationwide
Verified Jul 2026See details →

Luminate Bank Luminate PATH National DPA Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026See details →

MEP Advantage DPA Program

Deferred

Deferred second loan · Income limits

Nationwide
Verified Jul 2026See details →

NACA Homeownership through Public Housing Assistance (HOT-PHA)

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026See details →

NACA's New Construction Homes

Grant

Assistance grant · New construction · Income limits

Nationwide
Verified Jul 2026See details →

NASA FCU $0 Down, No PMI Mortgage Purchase

Grant

Assistance grant

Nationwide
Verified Jul 2026See details →

National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program

Deferred

Deferred second loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026See details →

Navy Federal Credit Union Homebuyers Choice Loan

Grant

Assistance grant

First-timeNationwideVeterans
Verified Jul 2026See details →

Navy Federal Credit Union Military Choice Loan

Grant

Assistance grant

NationwideVeterans
Verified Jul 2026See details →

North Fork Rancheria Indian Housing Authority Down Payment Assistance Program

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026See details →

Northern Circle Indian Housing Authority Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026See details →

Northpointe Bank ONE+ Loan Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026See details →

Pathway Homes Essential Workers Program

Assistance

Shared-appreciation loan · Income limits

NationwideEducators
Verified Jun 2026See details →

PNC Bank Low to Moderate Income Borrower Grant

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026See details →

PNC Bank PNC Grant

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jun 2026See details →

Primary Residential Mortgage Down Payment Program

Deferred

Deferred second loan · Income limits

Nationwide
Verified Jul 2026See details →

Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026See details →

Rocket Mortgage ONE+ By Rocket Mortgage Program

0.02% of price

Assistance grant · Income limits

Nationwide
Verified Jun 2026See details →

Siletz Tribal Housing Department Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026See details →

State Department Federal Credit Union First-Time Homebuyer Mortgage

Grant

Assistance grant

First-timeNationwide
Verified Jul 2026See details →

Susan's Savings First Time Home Buyers Program

Grant

Assistance grant · New construction · Income limits

First-timeNationwide
Verified Jul 2026See details →

Tyndall Federal Credit Union $1,000 Off Closing Cost

Grant

Assistance grant

Nationwide
Verified Jun 2026See details →

Tyndall Federal Credit Union $450 Closing Cost

Grant

Assistance grant

Nationwide
Verified Jun 2026See details →

U.S. Department of Housing and Urban Development (HUD) Good Neighbor Next Door

0.5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

NationwideEducators
Verified Jul 2026See details →

U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026See details →

U.S. Department of Housing and Urban Development HCV Homeownership Program

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026See details →

U.S. Department of the Interior Indian Affairs Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026See details →

U.S. Department of Veterans Affairs Native American Direct Loan

Grant

Assistance grant · Income limits

NationwideVeterans
Verified Jun 2026See details →

U.S. Department of Veterans Affairs VA-backed Purchase Loan

Grant

Assistance grant · Income limits

NationwideVeterans
Verified Jul 2026See details →

USDA Rural Development Single Family Housing Guaranteed Loan Program

First mortgage

First mortgage · Income limits

Nationwide
Verified Jul 2026See details →

Valley First Credit Union Middle Income Homebuyer Program

Grant

Assistance grant · Income limits

First-timeNationwide

What’s local to Casa de Oro-Mount Helix

There are no programs run by Casa de Oro-Mount Helix itself. A Casa de Oro-Mount Helix buyer uses San Diego County’s programs, plus the statewide and federal ones above — all of which are open to them.

The closest city that runs its own program is El Cajon, about 2 miles away. City programs usually require the home to be inside that city’s limits — worth checking if you’re still choosing where to buy.

HUD puts the 2026 area median income for San Diego County at $130,900 for a four-person household. 69 of the programs listed here set an income limit as a percentage of that figure, which is why the same program admits a different income in a different county. Published limits for California →

All San Diego County programs →

90-second match

Not sure which you qualify for?

Answer 9 questions and we'll match you to every program you can actually use — in about 90 seconds. No SSN, no credit pull.

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Questions, answered

The honest answers first

Do I need to share my SSN or get a credit check?
No. Exploring programs on Hey Prescott is free and anonymous — no Social Security number, no credit pull. You only share details when you choose to apply with a lender.
Is this free?
Yes. Browsing programs and getting matched is free. Hey Prescott is not a lender and never charges you to use it.
Are these all the programs?
We list active programs we've verified for Casa de Oro-Mount Helix and California, refreshed regularly. New programs are added as agencies publish them — check back as your search continues.
Can I use more than one?
Often, yes. Many buyers combine ("stack") a grant or forgivable second with a statewide or federal program. Stacking and eligibility rules are set by each administering agency.
How current is this?
We re-verify programs regularly; each program card shows the date it was last verified. Always confirm the latest terms on the official program site before you apply.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.