Down Payment Assistance Now Available In National City

Saving 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!

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 National City down payment assistance loan and pre-qualify both loans.

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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 for 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.

Home Buyer Education

This program requires applicants attend a HUD approved homeownership education course before down payment assistance approval. The home buyer education workshops are provided by For more information about the workshops visit

In-person Home Buyer Classes are offered in the San Diego area. Register for a Class
Online Home Buyer Classes are also available for your convenience. Take Online Class