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CalHome Program

California

Available Assistance

The CalHome Program provides applicants up to 17 percent of the total property price for down payment assistance, and 4 percent (up to $10,000) in closing costs assistance. These funds come in the form of a loan with 3 percent simple interest per year, accrued annually. No monthly payments are required on this loan, as it is deferred until the home is refinanced (not including an FHA Streamline Refinance), sold, paid off, or no longer serving as the borrower’s primary residence. The loan repayment will be one payment of the original principle loan amount plus any accrued interest.

Eligibility Requirements

The CalHome Program is only available to first-time homebuyers; those who have owned a home or been on the title for one within the previous three years cannot qualify for assistance. All applicants must have an annual gross household income at or under 80 percent of San Diego County’s area median income, as determined by HUD. They must also be able to contribute at least three percent of the purchase price from their own cash assets, and receive the maximum first mortgage loan for which they qualify. The program’s occupancy ratio mandates that there be no more than two people per living space, which includes bedrooms, living room, family room, den/study.

Property Guidelines

Under the CalHome Program, any property purchased must serve as the borrower’s primary residence. This home must be located within the CalHome jurisdictional boundaries, which include unincorporated areas of the County of San Diego and the cities of: Carlsbad, Coronado, Del Mar, Encinitas, Imperial Beach, La Mesa, Lemon Grove, Poway, San Marcos, Santee, Solana Beach and Vista.

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