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GSFA Platinum Grant - San Diego County Specific

GSFA Platinum Grant - San Diego County Specific is a grant for homebuyers in San Diego County, California.

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The program asks for

  • The home is occupied as a primary residence
  • On credit: Minimum 640 FICO score required for all borrowers
  • Residency: Must occupy as primary residence
  • Citizenship or immigration status: U.S. citizen, permanent resident alien, or other eligible non-citizen
  • Up to 5.5% of first mortgage as non-repayable grant; no income limit; no first-time buyer requirement; must use GSFA-approved lender in this county
  • A home in San Diego County

It doesn’t cover

  • Purchases above the $1.1M price cap
  • Households above 160% of area median income
  • Homes outside San Diego County

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

Income limit

160% of San Diego County’s area median income

HUD sets the area median income each year. The limit changes with household size, so a family of five has a higher limit than a single homebuyer.

$130,900
Area median income, 4-person household (HUD, 2026)
Income limits in California

Where it applies

San Diego County’s homes

  • 50% single-family
  • 10% townhouse
  • 7% 2–4 units
  • 29.5% 5+ units
  • 3.4% mobile & other

A tick marks a kind of home the program’s record lists. The agency confirms it for the home you choose.

$854,700

San Diego County median home value

49.5%

built before 1980

U.S. Census Bureau, ACS 2024 5-year. More about buying in San Diego County

How to apply

  1. Contact the administering agency to reserve funds

    Funds are reserved through GSFA lender portal, and are subject to availability.

  2. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.

Free course · 10 minGSFA Platinum Grant - San Diego County Specific, explained

Questions about this program

What is GSFA Platinum Grant - San Diego County Specific?

GSFA Platinum Grant - San Diego County Specific is a grant for homebuyers in San Diego County, California. GSFA Platinum Grant for San Diego County homebuyers. Up to 5% of loan amount for down payment/closing costs. Up to 5.0% of purchase price in assistance. non-repayable grant. Funding comes from GSFA.

Do you have to pay it back?

GSFA Platinum Grant - San Diego County Specific is structured as a grant, so it is not repaid. Repayment is triggered by N/A (non-repayable grant). The assistance is recorded in N/A (grant - no lien) position. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

GSFA Platinum Grant - San Diego County Specific is open to homebuyers who will live in the home as their primary residence. On credit, the program states: Minimum 640 FICO score required for all borrowers. Residency requirement: Must occupy as primary residence. Citizenship or immigration status: U.S. citizen, permanent resident alien, or other eligible non-citizen. Up to 5.5% of first mortgage as non-repayable grant; no income limit; no first-time buyer requirement; must use GSFA-approved lender in this county.

What are the income limits?

GSFA Platinum Grant - San Diego County Specific limits household income to 160% of the area median income, which varies by county and household size. Workforce/moderate income: household income ≤160% AMI. The limit applies to total household income, not only the borrower’s. The program lists a maximum household size of 8. Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

GSFA Platinum Grant - San Diego County Specific caps the purchase price at $1.1M. Eligible property types include Single-family (1-4 unit), FHA-approved condominium, townhome/PUD. New construction is eligible. Manufactured homes are eligible.

Where does it apply?

GSFA Platinum Grant - San Diego County Specific serves homebuyers purchasing in San Diego County, California.

How do you apply?

Applications for GSFA Platinum Grant - San Diego County Specific go through the administering agency, which publishes the current terms and the application steps on its own site. Funds are reserved through GSFA lender portal. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.

Also for San Diego County homebuyers

Whether two programs can be combined is up to each agency. Ask before you apply.

All 110 programs for San Diego County

Program terms are set by the administering agency and can change; confirm on the official site before you apply.