Federal and State Programs
FHA (Federal Housing Administration) : Administered through the federal Housing and Urban Development (HUD) department, these loans are available from approved lenders. For more information, view the HUD website at www.hud.gov or contact a lender of your choice.
The current loan limits in San Diego County:
| 1 Family Unit | 2 Family Unit | 3 Family Unit | 4 Family Unit |
| $697,500 | $892,950 | $1,079,350 | $1,341,350 |
VA (Veterans Affairs) : Insured by the Veterans Affairs Department of the federal government. VA loans are available through lending institutions; however, only eligible military veterans may apply. For more information, call (619) 641-5840.
CAL-VET : Only those veterans purchasing property in California and who were released honorably from active duty, having served at least 90 consecutive days during periods of war, are eligible for these loans. For more information, call (800) 952-5626.
CHFA (California Housing Finance Agency) : These loans are available through many of the established mortgage banking firms for first-time homebuyers. Interested parties should call (877) 922-5432.
FANNIE MAE (Federal National Mortgage Association) : The Community Home Buyers Program (CHBP) is a mortgage program that was created by Fannie Mae in partnership with mortgage lenders and mortgage insurance companies. These companies work closely with state and local governments, as well as community groups, to provide affordable homeownership opportunities.
LOCAL GOVERNMENT PROGRAMS
There are many housing programs that are available for buyers like you and each city have their own. Click on the link for the city of your choice.
City of Carlsbad Housing Programs:
http://www.carlsbadca.gov/services/departments/housing/Pages/default.aspx
City of Chula Vista Housing Programs:
http://www.chulavistaca.gov/City_Services/Development_Services
/RedevHousing/Housing/HousingPrograms/default.asp
City of El Cajon Housing Programs:
http://www.ci.el-cajon.ca.us/dept/redev/housing/index.aspx
City of Encinitas Housing Programs:
http://www.ci.encinitas.ca.us/Government/CityD/PlanningABSDL/Housing+Grants+CDBG.htm
City of Lemon Grove Housing Programs:
http://www.ci.encinitas.ca.us/Government/CityD/PlanningABSDL/Housing+Grants+CDBG.htm
National City Housing Programs:
http://www.ci.national-city.ca.us/index.aspx?page=137
City of Oceanside Housing Programs:
http://www.ci.oceanside.ca.us/Datarelation.aspx?Content=191
City of Poway Housing Programs:
http://www.poway.org/Index.aspx?page=712
City of San Marcos Housing Programs:
http://www.ci.san-marcos.ca.us/index.aspx?page=63
City of Vista Housing Programs:
http://www.cityofvista.com/departments/redev/Housing_Services.cfm
County of San Diego Housing Programs:
http://www.sdcounty.ca.gov/sdhcd/homeowners/homeowners_programs.html
PRIVATE AND NON-PROFIT ORGANIZATIONS
There are many non-profits in the region that offer assistance programs, homebuyer education, and other housing related services.
Community Housing Works
San Diego Home Loan Counseling and Education Center
Mabuhay Alliance
San Diego Urban League
MAAC Project
Springboard Non-Profit Consumer Credit Management
Neighborhood House Association
UPAC
