FREE Money to Buy A Home!
Down Payment Assistance
Think you need 20% down to buy a home? You may have more options than you realize.
Down payment and closing cost assistance programs can make homeownership possible sooner — and they aren't necessarily limited to people buying their very first home.
California and local San Diego programs offer a variety of resources designed to help qualified buyers with down payments and closing costs. Depending on the program and your individual circumstances, assistance may be available in the form of grants, forgivable loans, deferred-payment loans or other financing options.
Navigating these programs can be confusing. Income limits, purchase price limits, location, household size, previous homeownership and the type of property you're purchasing can all affect which programs may be available to you. That's where I can help.
Down payment assistance is one of my specialties. I work closely with buyers and experienced lending partners to identify programs that may fit their circumstances and then incorporate those programs into a realistic homebuying strategy. I've helped San Diego buyers access hundreds of thousands of dollars in down payment assistance to purchase homes throughout the county.
This work is also personal to me. I purchased my own first condo using a federal down payment assistance program. Without that assistance, I wouldn't have been able to become a homeowner when I did. I know firsthand what it feels like to wonder whether you have enough saved — and what a difference the right program can make.
And DPA isn't just about getting into any home. My goal is to help you understand the numbers, what you can comfortably afford, and how homeownership fits into your bigger financial picture.
If buying a home feels just out of reach because of the down payment or closing costs, don't assume you have to wait. Let's talk about where you are today, what programs may be available to you, and what a realistic path to homeownership could look like.
Ready to explore your options? Let's schedule a homebuyer consultation.
Below are just a few samples of the programs that you may be eligible for that provide free or low-interest financial assistance to purchase a home. These programs are not limited to first-time homebuyers or low-income individuals. There are dozens of programs available and I will help you navigate which programs you may be eligible for and advocate for your offer to be accepted by sellers. You need an agent who understands, is educated and knowledgeable about these programs, and is willing to find solutions and opportunities for you to buy a home! Contact me today to find out more!
THE KEY - You don't need to know which of these or other programs you qualify for - just contact me and I'll guide you!
Healthcare Workers and First Responders
Down payment assistance of up to 5% with 1.5% of it in the form of gift funds. This is available to healthcare workers, firefighters, EMTs, police officers, border patrol agents, and firefighter administrative support staff.
Educators and Education Support Staff
Down payment assistance available of up to 5% with 1.5% of that in the form of gift funds. This is available for employees of California public and charter schools, state universities, junior college or private colleges, including administration and staff.
City and County of San Diego Programs
There are several programs that provide free down payment and closing cost assistance - up to 20%! - depending on your income. Most programs are available for those earning up to 80% - 100% of the areas median income ($106,900 as of 2022).
ADU Grants
The state of California has a grant program to support the development stages and closing costs associated with building an Accessory Dwelling Unit (ADU) on your property. The grant is up to $40,000. This is available to homeowners with household incomes below $211,000 in San Diego.