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Escondido HOME Program

  • Silent 2nd mortgage for $25,000
  • Can be applied toward down payment or closing costs
  • Maximum purchase price based upon the number of bedrooms as follows: (1 bedroom - max price = $226,000) (2 bedrooms - max price = $254,000) (3 bedrooms - max price  = $283,000) (4 bedrooms - max price = $331,000) (5 bedrooms - max price = $350,000). As a result, this program typically only works for condos and not houses.
  • Income limited to 120% of Area Median Income (AMI). The income is calculated by adding the incomes of all wage earners in the household, regardless of whether they will be on the loan or not.
  • No equity sharing with the city upon resale.
  • There is no city property inspection, which is the case with many other local programs.
  • There is no minimum borrower asset reserve requirement or minimum down payment requirement.
  • The property must be vacant at the time that the purchase contract is completed.
  • Buyer must take a HUD-Approved Course

I am approved with the City of  Escondido as a loan officer qualified to provide all Escondido program loans.





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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