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First -Time Homebuyers

The San Diego Housing Commission offers deferred loans, closing-cost assistance grants, and mortgage credit certificates to help low- and moderate-income residents become first-time homebuyers. Since 1990, we’ve helped more than 4,700 families and individuals buy their first homes. There are three different homebuyer programs, the latest of which was created in 2009 with limited funding under the federal Neighborhood Stabilization Program (NSP). The NSP is funded in whole or in part with funds provided by the U.S. Department of Housing and Urban Development (HUD). In addition, the Housing Commission operates a citywide first-time homebuyer program and administers a homebuyer program for the City of La Mesa.

Who is Eligible?

The Housing Commission's primary program is limited to those planning to buy a home within the City of San Diego, or neighorhoods with postal ZIP codes that begin with 921. “First-time homebuyer” is defined as someone who has not owned a home that served as a primary residence for at least three years. Each homebuyer program has limits on annual household income and the purchase price of a home.