Participating Lenders

Program Funding Availability as of June 25, 2019 Anticipated Next Round of Funding
City of San Diego Down Payment & Closing Cost Assistance No funds available Fall 2019
City of San Diego Mortgage Credit Certificate Funds available Currently available
County Of San Diego Down Payment & Closing Cost Assistance No funds available Fall 2019

Submitting First Time Homebuyer Assistance Applications

Effective June 2019, all applications for First Time Homebuyer Assistance are to be submitted via the FTHB Lender Portal.

If you are a current participating loan officer and need your log-in credentials, please email

  1. Complete the applicable application package:
    FTHB Program Application (Use for City of San Diego & County of San Diego Program)
    Mortgage Credit Certificate Application (City of San Diego only)
  2. Log-in to the FTHB Lender Portal
    First-Time Homebuyer Lender Portal
  3. Follow the instructions in the Lender Portal Submission Guide

Prior to submitting loan packages for underwriting, lenders should check this website for updates on loan documents, available funds or program changes.

Participating Lenders

To become a participating lender for the San Diego Housing Commission (SDHC) or County of San Diego First-Time Homebuyer Programs (FTHB) you are required to:

  • Attend an SDHC lender training seminar (email to be placed on the interest list)
  • Submit a Lender Participation Agreement along with a copy of your California Department of Corporations License Certificate or Department of Real Estate License Certificate.
  • Pay a $400 annual fee.

The completed Lender Participation Agreement and annual fee payment may be mailed to:

San Diego Housing Commission
Attn. First-Time Homebuyer Program
1122 Broadway, Suite 300
San Diego, CA 92101

Forms & Documents

FTHB Manual and Guidelines

3% Interest Deferred Payment Loan Program Guidelines (County of San Diego)

Approved Home Inspectors

Area Median Income

Census Tract

FTHB Program Summary Chart

Homebuyer Education Providers

Lender Participation Agreement

Mortgage Credit Certificate Information Packet

Voluntary Acquisition Informational Notice

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