Down Payment Assistance Programs in San Diego | North San Diego County

Real Estate Agent with eXp Realty of California, Inc. CA DRE #01490977

Down Payment Assistance Programs in

North San Diego County


First time home buyers in North San Diego County have a special opportunity they may not know about...Down Payment Assistance Programs

You may be able to purchase the home of your dreams with a down payment assistance programAs a first time home buyer in California you know that the Federal First Time Home Buyer tax credit is gone (if you did not get your home under contract before April 30, 2010).  You likely also know that California has a first time home buyer tax credit as well. If not, you can read more about the California 2010 First-Time Buyer Tax Credit that allows up to $10,000 over 3-years for qualified buyers (first time home buyer mean either a buyer who has never owned a home or who has not owned one in the last 3 years). 

What you may not know is that you may qualify for one of the down payment assistance programs in North San Diego County.   

Here's the scoop on the down payment assistance programs for first time home buyers

in San Diego County.

$$$$$      There are down payment assistance programs for certain cities (e.g., Carlsbad, Escondido, San Marcos, Oceanside), for the County, and for the City of San Diego

*   *   *   *

$$$$$     Programs have either low or moderate income guidelines (based on total income for the household from all sources), e.g., a family of 5 with either $67,850 total income (low) or $97,850 (moderate) may qualify, based on credit scores and other factors

*   *   *   *

$$$$$     Some down payment assistance programs require some money from the buyer; others do not

*   *   *   *

$$$$$      Down payment assistance can range from 5% up to $70,000 with interest rates of 0% - 3%. Loans are paid off when you sell - there are no payments while you own the home.

 *   *   *   *

$$$$$     With these down payment assistance programs and the standard mortgage qualifications (credit, income, loan to value ratios, etc) a first time home buyer could purchase a home in North San Diego County in the $200s and $300s and possibly even into the low $400s depending on the particular program guidelines and available funds [As an example, in Escondido there are 240 detached single family homes priced under $350,000 as of this writing.]


This information I've shared is courtesy of Craig Griffin at Guild Mortgage. Not all lenders (e.g., Chase) will work with down payment assistance programs, and Craig is an expert on these. He knows everything you need to know to get you through the process.

Learn more at Craig's down payment assistance programs website. Feel free to call (760-468-9898) or email ( Craig for more information - please tell him I sent you!





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All content copyright © 2010 Jeff Dowler Carlsbad Homes and Real Estate Tidbits

Comments (10)

Deborah "Dee Dee" Garvin
C2 Financial - San Diego, CA
C2 Financial

Jeff, great informatio to share.  Community Homeworks underwrites many of these programs for the various communities.  FYI, lenders must be certified through them to originate the loans.

Jun 22, 2010 01:19 PM
Jeff Dowler, CRS
eXp Realty of California, Inc. - Carlsbad, CA
The Southern California Relocation Dude

Deborah - thanks. I didn't know that. I'm glad to hear the lenders must be certified.


Jun 22, 2010 01:46 PM
George Souto
George Souto NMLS #65149 FHA, CHFA, VA Mortgages - Middletown, CT
Your Connecticut Mortgage Expert

Jeff, not a lot of First Time Homebuyer Down Payment Assistance Programs out there, so it is good to stay on top of the ones that are still around.

Jun 22, 2010 02:47 PM
Lisa Hill
Florida Property Experts - Daytona Beach, FL
Daytona Beach Real Estate

Good for you to be on top of these types of programs and details. You're the kind of agent they need to guide them through the buying process.

Jun 22, 2010 03:31 PM
Tom Braatz Waukesha County Real Estate 262-377-1459
Coldwell Banker - Oconomowoc, WI
Waukesha County Realtor Real Estate agent. SOLD!


What a wonderful program to help people out when they really could use it.

Jun 22, 2010 04:10 PM
William Johnson
Retired - La Jolla, CA
Retired Real Estate Professional

Hi Jeff, I didn't realize a program like this was still available and Thank you so much for presenting this. I will re-read this again to be sure I have taken custody of it.


Jun 22, 2010 07:07 PM
Melissa Zavala
Broadpoint Properties - Escondido, CA
Broker, Escondido Real Estate, San Diego County

Escondido has such great down payment assistance programs. We have clients who use them all the time. I`m reblogging. I hope that is okay with you!

Jun 23, 2010 01:51 AM
Jeff Dowler, CRS
eXp Realty of California, Inc. - Carlsbad, CA
The Southern California Relocation Dude

George - so true. And there are many folks who can take advantage of them.

Lisa - thank you. First Time buyers were a substantial part of the markte last year and I suspect that will be true this year as well.

William - I suspsect there are many who are not aware.

Melissa - I was impressed to find out how many there actually are in the area and the kind of money that is available.


Jun 23, 2010 02:41 AM
Renée Donohue~Home Photography
Savvy Home Pix - Allegan, MI
Western Michigan Real Estate Photographer

Awesome post about the options for first time buyers.  It's been a couple of years since I wrote one so I need to go get myself educated :)

Jun 23, 2010 02:50 AM
Lorraine or Loretta Kratz
Crescent Moon Realty, Inc. & Land N Sea Auctions. - San Marcos, CA
Certified Negotiation Consultants

Jeff: Great information. Its important to have the person looking for assistance to get involved early the funds run out quickly. The time element to obtain these funds also vary from city to city. I know that certain cities have depleted there resources, unitl the next fiscal year.

Oct 08, 2010 09:41 AM