City of Chula Vista First-Time Homebuyer Program (CA): Amount, Requirements & How to Apply

City of Chula Vista First-Time Homebuyer Program

Quick answer

City of Chula Vista First-Time Homebuyer Program is a California down payment assistance program from City of Chula Vista (administered by San Diego Housing Commission). It provides Up to 22% of purchase price, not to exceed $120,000 as a deferred-payment loan. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

Eligibility notes

3% simple interest deferred-payment loan, no payments for 30 years. Status 'Funds Available' as of February 1, 2026; max purchase price $807,500 effective October 2025.

Where does City of Chula Vista First-Time Homebuyer Program apply?

This city-level program is available to buyers in Chula Vista. Cities on our site where it applies:

Down payment assistance in Chula Vista

Detail	Program terms
Assistance	Up to 22% of purchase price, not to exceed $120,000
Type	Deferred-payment loan
Minimum credit	Not published on the program page
First-time buyer	See official page
Income limits	80% AMI

How does City of Chula Vista First-Time Homebuyer Program work with an FHA loan?

California's 2026 FHA one-unit limits start at $541,287, which supports a price of about $560,000 with 3.5% down.

Where do I confirm current terms?

On the official page: https://www.sdhc.org/housing-opportunities/first-time-homebuyers/participating-lenders/. Programs can pause when funds run out, so confirm availability with a participating lender.

← All California down payment assistance programs

Frequently asked questions

Up to 22% of purchase price, not to exceed $120,000, according to City of Chula Vista (administered by San Diego Housing Commission).

It's a deferred loan — no monthly payments, repaid when you sell, refinance or pay off the first mortgage.

80% AMI

Sources

Data last updated October 25, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.