You may need less cash than you think — here's every program available to San Diego buyers right now
One of the biggest misconceptions about buying a home in San Diego is that you need a massive down payment. The truth? There are multiple programs — some offering grants you never have to repay — that can cover your entire down payment and even your closing costs.
Here's every major program available to San Diego County buyers in 2025.
The California Housing Finance Agency offers a deferred-payment junior loan of up to 3.5% of the purchase price for down payment and/or closing costs. No payments until you sell, refinance, or pay off the first mortgage.
California's shared appreciation loan program provides up to 20% of the purchase price for down payment. When you sell or refinance, you repay the original amount plus a share of appreciation. Funding is limited and goes fast each year.
The County of San Diego offers down payment assistance through various programs for low-to-moderate income buyers purchasing in unincorporated areas and some cities. Assistance is typically a deferred loan at low interest.
The City of San Diego offers down payment assistance loans for eligible buyers purchasing within city limits. Programs vary year to year based on funding availability.
The best "down payment assistance" for veterans is the VA loan itself — zero down payment required, no PMI, and competitive rates. This isn't a separate program; it's built into the loan. If you served, this is your #1 option.
FHA allows 100% of your down payment to come from gift funds — from a family member, employer, or approved charity. Combined with DPA programs, many buyers can get into a home with very little of their own cash.
Most DPA programs have similar requirements:
Our team will review your income, credit, and situation and match you with every program available. Free consultation — no pressure.
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