Complete the screening
Tell us about the factors used by assistance programs and mortgage underwriting.
Free preliminary screening · San Diego County
Find out which homebuyer-assistance programs may fit you.
Complete a private three-minute screening to see potential programs, estimated buying power and the next step to verify your options.
No credit pull. No Social Security number. Preliminary results only.
About 3 minutes
No credit impact
San Diego programs
Optional human review
Start with your numbers
Check your homebuyer options
Answer a few questions about income, monthly debts, savings and location. Your results separate calculated matches from programs that still require verification.
Check Your Down Payment Assistance Options
Free estimate for San Diego County homebuyers
Step 1 of 4 — Income
What is your total combined monthly gross income?
All adults in the home — wages, self-employment, SSI, pensions, child support received. Before taxes.
A clearer path forward
From questions to a practical plan
Review preliminary results
See modeled matches, possible referrals, estimated numbers and items that still need verification.
Request an options review
Choose a preferred date and receive confirmation from a homebuyer professional.
Personal verification
Turn your preliminary results into a next-step plan.
Request a free review to confirm current guidelines, discuss financing and identify what to do next. The date and time you select are a request until a professional confirms them.
Verified assistance directory
San Diego County homebuyer-assistance pathways
This directory distinguishes calculated estimates from potential matches, referrals and programs that are not currently accepting applications. Mortgage products, lender directories and duplicate benefits are not counted as separate DPA programs.
6preliminary calculated estimates
8potential matches—verify
9referral or inactive pathways
Calculated estimates6
Five local programs and CalHFA MyHome use documented rules to provide preliminary calculations.
CalHFA MyHome
Preliminary purchase-price and assistance estimate using San Diego County’s $259,000 income limit; up to 3% conventional or 3.5% government financing
ActiveCalculated—verify
SDHC City of San Diego Low-Income FTHB
Up to 17%, capped at $125,000, plus a closing-cost grant up to $10,000; current price cap $883,025
Funds availableCalculated estimate
SDHC City of San Diego Middle-Income FTHB
$40,000 deferred DPA plus a $10,000 closing-cost grant
Funds availableCalculated estimate
County of San Diego Low-Income FTHB
Up to 22% plus a closing-cost loan up to $10,000; current price cap $743,000
Funds availableCalculated estimate
County of San Diego Moderate-Income FTHB
Up to 17% deferred DPA; current C.A.R. county median price limit applies
Funds availableCalculated estimate
City of Chula Vista FTHB
Up to 22%, capped at $120,000, for down payment and closing costs; current price cap $807,500
Funds availableCalculated estimate
Potential matches requiring verification8
These offerings depend on lender, address, income, mortgage product or current funding rules.
GSFA Platinum
Up to 5.5%; gift and second-mortgage structure varies by option
ActivePotential match—verify
GSFA Golden Opportunities
Up to 5%; first-time homebuyer status is not required
ActivePotential match—verify
Bank of America Down Payment Grant + America’s Home Grant
Up to $10,000 toward down payment plus up to $7,500 toward eligible closing costs
Address/lender reviewPotential match—verify
Wells Fargo Homebuyer Access
$10,000 down-payment grant in eligible areas
Address/lender reviewPotential match—verify
Wells Fargo Dream. Plan. Home.
Up to $5,000 closing-cost credit
Address/lender reviewPotential match—verify
Chase Homebuyer Grant
$2,500 or $5,000 for eligible properties and mortgage products
Address/lender reviewPotential match—verify
Citi Lender-Paid Assistance
Up to $7,500 non-repayable lender credit toward eligible closing costs
Lender reviewPotential match—verify
BMO Welcome Home and low-down-payment assistance
Grant and low-down-payment options may be available; amount and San Diego eligibility require lender confirmation
Address/lender reviewPotential match—verify
Referral and specialized pathways7
Useful benefits, mortgage products and application resources that are not included in the calculated DPA estimate.
City of El Cajon FTHB
Current benefit and funding details require confirmation from the program administrator
Administrator reviewContact provider
HOPE for Public Educators
Teacher housing grant for qualifying certified educators teaching in San Diego Council District 5; current award terms require confirmation
Provider reviewContact provider
VA Home Loan Benefit
VA does not require a down payment and does not require monthly mortgage insurance; lender underwriting applies
ActiveLoan benefit—verify
HUD Good Neighbor Next Door
50% discount on limited eligible HUD-owned homes for specified occupations
Inventory dependentContact provider
Citi HomeRun Mortgage
As little as 3% down with no mortgage insurance in select markets
Select marketsMortgage product—verify
Local credit-union options
Mission Fed, California Coast and Navy Federal offer separate mortgage products subject to membership and lender review
Membership/lender reviewContact providers
Approved SDHC Participating Lenders
Directory of trained lenders that provide access to SDHC-administered programs
Current directoryHow to apply
Not currently accepting applications2
These programs remain visible for planning but are excluded from current matches and estimates.
Official sources reviewed September 2, 2026. Results are preliminary screening only—not eligibility approval or a loan commitment. Funding, address eligibility, income limits, rates and lender requirements can change.
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