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Vista Program

  • Is a Silent 2nd mortgage for up to the lesser of $40,000 or 80% of the property value
  • Can be applied to down payment or non-recurring  (one time) closing costs
  • Household income limited to 80% of the Area Median Income (AMI).
  • Home must be in good state of repair - An obvious fixer-upper probably would not qualify
  • Buyers need to contribute $3,000 of their own funds as down payment.
  • Household assets cannot exceed $100,000 before the purchase or $6,000 after the close of escrow
  • In addition to detached houses and condos, this program can be used to purchase an owner-occupied duplex (2-unit property)
  • Completion of a HUD-Approved Course is required





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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