San Diego County · Down Payment Assistance

Don't let the down payment
stop you from buying.

Thousands of dollars in assistance are available to San Diego County buyers — and most people don't know they qualify. We'll help you find every program you're eligible for and get you pre-approved.

See If You Qualify See Programs
$40K
Middle-Income Grant
SDHC deferred loan + $10K closing cost grant for income 80–150% AMI
19%
Of Purchase Price
SDHC Low-Income Program deferred loan with no monthly payments
0%
Down — VA Loan
No down payment, no mortgage insurance for veterans & active military
5.5%
GSFA Platinum
Of loan amount for down payment & closing costs — first-time and repeat buyers

Available in San Diego County

Programs currently open

City of San Diego
SDHC Low-Income Program
Up to 19%
Of purchase price as a deferred loan + up to $10,000 closing cost grant. No monthly payments. Income at or below 80% AMI.
City of San Diego
SDHC Middle-Income Program
$40,000
Deferred down payment loan plus $10,000 closing cost grant. For buyers earning between 80% and 150% AMI. No monthly payments.
San Diego County
County DCCA Program
Up to 17%
Of purchase price for moderate-income first-time buyers. Available county-wide — Chula Vista, El Cajon, Escondido, and beyond.
Statewide · CalHFA
MyHome Assistance
3–3.5%
Of purchase price as a deferred loan for down payment or closing costs. Stackable with other programs for maximum benefit.
Statewide · GSFA
Platinum Program
Up to 5.5%
Of loan amount for down payment and closing costs. Available to first-time and repeat buyers. Minimum 640 credit score.
Veterans & Active Military
VA Loan
0% Down
No down payment required. No mortgage insurance. One of the best loan options available for those who've served our country.

Simple process

How it works

01
Fill out the form
Takes less than a minute. Tell us a little about your timeline and household income so we can point you to the right programs.
02
We reach out
David or Joanne will contact you directly to walk through your options and answer any questions.
03
Get pre-approved
Joanne will work with you directly to get your financing in place and maximize your assistance.
04
Find your home
With financing secured, David guides your active home search — from offer to keys in hand.
David Celaya, Realtor

Your agent

David Celaya

I grew up in San Diego and have spent nearly 20 years in the real estate industry — including a VP-level role supporting agents across the country before launching my own practice with Compass. I know this market, I know these programs, and I know how to get buyers to the finish line.

BrokerageCompass, San Diego
DRE#01817176
Phone619.309.7326
Emaildavid@socal-realestate.com
20
Years in Real Estate
SD
County Native
VA
Loan Specialist
6+
DPA Programs

Your lender

Joanne Short

Mortgage Advisor · Origin Point

With over 20 years of industry experience and a strong underwriting background, Joanne has seen it all. She has a true passion for empowering buyers with knowledge and loves to help educate clients on the entire process from beginning to end. If you have questions about financing, she would love to help.

📞 (619) 719-1624 ✉ Joanne.Short@originpoint.com
Joanne Short, Mortgage Advisor

Get started

Find out what you qualify for.

Fill out the short form and we'll reach out to walk you through every program available to you in San Diego County. No pressure, no obligation — just answers.

✉ david@socal-realestate.com ✉ Joanne.Short@originpoint.com
getmydpa.com
Check Your Eligibility
Takes less than a minute
✓
You're all set!
We received your info and will be in touch shortly to walk you through your options in San Diego County.