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

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

San Diego County DCCA (Downpayment and Closing Cost Assistance) Program is a deferred second loan for homebuyers in San Diego County, California.

• Deferred-payment second mortgage for low-income first-time homebuyers in unincorporated San Diego County areas. Income at or below 80% AMI. Min 3% buyer contribution. Administered in partnership with SDHC.
• no monthly payments on DPA.
• Funding comes from Federal HOME / County.

Do you have to pay it back?

San Diego County DCCA (Downpayment and Closing Cost Assistance) Program is deferred, so no payments are due until the home is sold, refinanced, or the first mortgage is paid off.

• Repayment is triggered by Sale, transfer, or non-occupancy.
• The assistance is recorded in Second position.
• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

San Diego County DCCA (Downpayment and Closing Cost Assistance) Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

What are the income limits?

San Diego County DCCA (Downpayment and Closing Cost Assistance) Program limits household income to 80% of the area median income, which varies by county and household size.

• Low income: household income ≤80% of Area Median Income (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?

San Diego County DCCA (Downpayment and Closing Cost Assistance) Program caps the purchase price at $622,250.

• Eligible property types include Single-family (1-4 unit), FHA-approved condominium, townhome/PUD.
• New construction is eligible.
• Manufactured homes are not eligible.

Where does it apply?

San Diego County DCCA (Downpayment and Closing Cost Assistance) Program serves buyers purchasing in San Diego County, California.

How do you apply?

Applications for San Diego County DCCA (Downpayment and Closing Cost Assistance) Program go through the administering agency, which publishes the current terms and the application steps on its own site.

1. 1

   Take a homebuyer education course

   Required by the program before funds are reserved.

2. 2

   Contact the administering agency to reserve funds

   Funds are reserved through Contact provider directly; subject to funding availability, and are subject to availability.

3. 3

   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 buyer can take it to a lender or housing counselor.