First-Time Buyer Assistance Programs

First-time buyers in San Diego have access to several programs designed to make homeownership more affordable. Here's an overview of what's out there.

Down Payment and Closing Cost Help

Many programs provide loans or grants to help cover your down payment and closing costs, which are often the biggest barriers to buying.

First-Time Buyer Loan Programs

Some loan programs are built specifically for first-time buyers, offering flexible credit and low down payment requirements.

Who Counts as a First-Time Buyer?

Many programs define a first-time buyer as someone who hasn't owned a home in the last three years, so you may qualify even if you've owned before.

Combining Programs

These programs can often be layered with FHA, conventional, or other financing. A knowledgeable lender helps you stack them correctly.

Let's Explore Your Options

As your REALTOR, I help first-time buyers find and use these programs. Reach out and we'll connect you with the right lender and a plan.