SDHC First-Time Homebuyer Middle-Income Program

SDHC First-Time Homebuyer Middle-Income Program is a deferred second loan for homebuyers in San Diego, California. $40,000 deferred down-payment assistance loan plus $10,000 closing cost grant (total up to $50,000) for buyers earning 80–150% AMI in City of San Diego. Income up to ~$152,000 for family of 4 in 2025. Up to $50,000 in assistance. no monthly payments on DPA. Funding comes from City of San Diego.

SDHC First-Time Homebuyer Middle-Income Program offers up to $40,000 in assistance. The program asks homebuyers to contribute 1% of purchase price (borrower minimum). The program can be combined with other assistance, subject to the rules of each. Amounts are the program's published maximums, not an offer — the administering agency determines any individual award.

SDHC First-Time Homebuyer Middle-Income 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.

SDHC First-Time Homebuyer Middle-Income Program is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time homebuyer" usually means not having owned a home in the last three years, but the program sets its own definition. On credit, the program states: Contact lender for current credit score requirements. A homebuyer education course is required. Residency requirement: Property within City of San Diego. Citizenship or immigration status: U.S. citizen, permanent resident alien, or other eligible non-citizen. Income 80-120% San Diego County AMI; must purchase in City of San Diego; deferred 3% simple interest loan.

SDHC First-Time Homebuyer Middle-Income Program limits household income to 150% of the area median income, which varies by county and household size. 81-120% AMI; 4-person limit ~$125,280 (2026 San Diego Co. 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.

SDHC First-Time Homebuyer Middle-Income 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.

SDHC First-Time Homebuyer Middle-Income Program serves homebuyers purchasing in San Diego, California.

Applications for SDHC First-Time Homebuyer Middle-Income Program go through the administering agency, which publishes the current terms and the application steps on its own site. Funds are reserved through Contact provider directly; subject to funding availability. 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.