Dana Reserve Down Payment Assistance - San Luis Obispo
Deferred second loan · New construction · Income limits
Down payment assistance · San Luis Obispo County
Buying a home in San Miguel, CA
2 county programs and 54 statewide.San Miguel has no program of its own, 2 across San Luis Obispo County, and 54 statewide. Here is what each one offers, and who near you can walk you through it.
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What’s local to San Miguel
No program of San Miguel’s own yet
No program run for San Miguel alone is listed. A home in San Miguel can use San Luis Obispo County’s programs below, plus the California statewide and federal ones.
The closest city that runs its own program is San Luis Obispo, about 33 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in San Luis ObispoAnywhere in San Luis Obispo County
2 county programs2 county programs a San Miguel homebuyer can use
1 more program is for homes in San Luis Obispo. See them 1 program in neighboring cities — for homes inside those cities, not San Miguel
- San Luis Obispo — City of San Luis Obispo BMR Homeownership Program
Income limits in San Luis Obispo County
How programs here set their income limits
$129,600
County area median income, 4 people (HUD)HUD area median income, San Luis Obispo County, 4-person household (2026)
51 of the 118 programs here set their income limit as a share of San Luis Obispo County’s area median income, adjusted for household size. See the published limits for San Luis Obispo County
Free help nearbyFree help near San Miguel
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across California and nationwide
116 statewide & federal programs54 statewide programs, plus federal options
San Miguel questions
Does San Miguel have its own down payment program?
No program run for San Miguel alone is listed. A home in San Miguel can use the 2 programs that cover San Luis Obispo County and the 54 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in San Miguel?
All 2 of San Miguel’s local and county programs accept condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in San Luis Obispo County?
Each program sets its own. 51 of the programs here set theirs as a share of HUD’s area median income for San Luis Obispo County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near San Miguel?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
93451
Nearby in San Luis Obispo
Sources
Sources: agency sites (June–August 2026), HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.