Down payment assistance and closing grants are available from state, county and city agencies.
The programs available vary depending on the location of the property as they can be city specific, however, most are geared towards First Time Home Buyers (those that have not owned any property in 3 years).
Funds are available on a first come first served basis so it is always important to confirm that funds are available before you begin the process.
Some of the down payment assistance programs available are:
CalHFA - California Housing and Finance Agency -
First Mortgages with lower rated and expended qualifying guidelines
Grants that can be used toward closing costs
Closing cost grants which do not have to be paid back if homeowner lives in the property for at least 7 years
Silent second mortgages with no monthly payments due(balance due upon sale or after 30 years). MCC also available. Property must be within the City of San Diego limits.
Silent second mortgages with no monthly payments due (balance due upon sale or after 30 years. The County Program also services the following cities: Carlsbad, Coronado, Del Mar, Encinitas, Imperial Beach, La Mesa, Lemon Grove, Poway, San Marcos, Santee, Solana Beach, Vista
Tax credit for additional tax write off on Federal Taxes