Down Payment Assistance Now Available

National CitySaving for a down payment is often the most challenging part of buying your first home. To help with that, the City of National City is providing loans of up to $70,000 to qualifying borrowers. This program can be used to lower your monthly payment or qualify for a higher purchase price. The best part? Payments are deferred for 30 years!


To qualify for this program, applicants must:

  • Be a first time home buyer (meaning you have not owned a home in the last 3 years).
  • Purchase a property within the city limits of National City.
  • Occupy the purchased property as a primary residence.
  • Purchase a single-family residence (1 unit): detached, condo, or Planned Unit Development.
  • Qualify for a first mortgage.
  • Have a minimum credit score of 640.
  • Have a combined annual household income above 60% and below 80% of the Area Median Income (see chart below for income limits).
San Diego County AMI Chart
Source: HUD Exchange – Home Income Limits

Loan Details

  • 3% simple interest.
  • Borrower must contribute a minimum of 3% of the total purchase price.
  • 30 year term with payments deferred for the life of the loan.
  • Balance of principle and interest due in full upon sale of property or at the end of 30 years.

Subject to lender approval. Other restrictions apply.

Give us a call to learn more at 1-888-983-2344!

How to Apply

Please contact one of our Certified Lender Partners to get pre-qualified for a 1st mortgage.
Our certified Lender Partner will assess eligibility for the City down payment assistance loan and pre-qualify both loans.
Give us a call for more information at 888-983-2344 or email us at