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Downtown San Diego Program

  • $75,000 loan with monthly payments deferred for 5 years. This is different from a Silent mortgage, which is normally not repaid at all with the buyer remains in the home.
  • Sponsored by CCCD (Center City Development Corporation)
  • Buyer needs to provide down payment of 3% from own funds
  • Income limited to 120% of Area Median Income (AMI) for a given household size). Income from all wage earners is added to calculate qualifying income, regardless of whether an income earner will be on the loan.
  • Available in the 11 downtown districts: (Civic Center, Columbia, Convention Center, Cortez, Horton/Gaslamp, Little Italy, Marina, and East Village Ballpark/Northeast/Northwest/Southeast)




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Brought To You By
Mark Harmon, Realtor

CalHFA Preferred Loan Officer
USA Realty and Loans

Brokerage Main Office
3994 Carson St.
San Diego, CA 92117