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SDHC First-Time Homebuyer Middle-Income Program

Up to $40,000 toward a down payment in CA.

Location
CA
Type
Deferred loan
Max assistance
$40,000
Income limit
$119,175
Min. credit score
640
First-time buyer
Required
Property types
Single family

$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.

Learn this program

Short reads on how it works, in plain language. Free, no sign-up needed to read.

Free course from Hey Prescott

SDHC First-Time Homebuyer Middle-Income Program, explained

A short, free course on SDHC First-Time Homebuyer Middle-Income Program: what it is, who it is for, when it is repaid, where it applies and how to apply. Based on program data from June 2026. About ten minutes.

5 modules · About 10 minutes

Program details are sourced from public agency data and may change. Confirm eligibility with a Hey Prescott loan officer before applying.