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El Cajon California Dream Program

  • Up to 30% of purchase price as silent 2nd + $5,000 for closing costs
  • Buyer needs to provide 1% down payment from own funds
  • The 1% must have been in the bank for 3 months prior to close
  • Income limited to 120% of the Area Median Income (AMI). Income from all income earners is added together to calculate qualifying income, regardless of whether the income earner will be on the loan.
  • No interest, but there is equity sharing with the city upon resale, unless next buyer qualifies for same program
  • Buyer must take HUD-Approved Course





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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