Service Areas · Updated July 2026
CalHFA down payment help near you. On a $700k townhome, that is $24,500.
The help is a percent of the price. So the dollars change city by city. These guides show what MyHome, ZIP, and Dream For All are worth at the prices near you. One thing stays the same: the $259,000 income limit across San Diego County. That is higher than most people guess.
We help first-time buyers across San Diego County, from the beach cities to East County. We also cover the fast-growing southwest corner of Riverside County. Each city guide below shows rough local prices and real dollar examples of the help. Pick your city. See what the state could put toward your down payment there.
San Diego
Condos and townhomes start in the $550s here. That puts America's Finest City in CalHFA range. Military buyers get VA options too.
San Diego guideChula Vista
Otay Ranch and Eastlake townhomes give growing families room. MyHome help is roughly $24,500 at a $700k price.
Chula Vista guideOceanside
The last beach city where condos still start in the $500s. Home to thousands of Camp Pendleton buyers with VA benefits.
Oceanside guideEscondido
A North County budget still buys a whole house here. Condos start in the high $400s, and downtown keeps growing.
Escondido guideEl Cajon
East County condos run near $450k. That is one of the lowest first-home price points in the county.
El Cajon guideNational City
The lowest median price in San Diego County. Minutes from Naval Base San Diego and downtown.
National City guideTemecula & Murrieta
Riverside County prices buy more house per dollar. Watch the lower county income limits, though.
Temecula & Murrieta guideOne border, two sets of income limits
CalHFA sets income limits by county. The county line matters more than most buyers expect. In 2026, a household can earn up to $259,000 in San Diego County and still qualify for MyHome. The same household shopping in Temecula or Murrieta is held to Riverside County's $210,000 limit. Dream For All has its own lower limits: $207,000 in San Diego County and $164,000 in Riverside County.
| 2026 limit | San Diego County | Riverside County |
|---|---|---|
| MyHome / CalHFA main mortgage income limit | $259,000 | $210,000 |
| Dream For All income limit | $207,000 | $164,000 |
Here is what that means. A couple earning $230,000 fits MyHome in every San Diego County city on this page. In Temecula or Murrieta, they do not. Shopping across the county line? Check where your income lands first. See the full 2026 income limits page, or check your eligibility and we will sort it out for you.
Not sure which city fits your budget?
One short quiz. About 60 seconds. No credit pull, no documents, no obligation. We will show you which cities and which CalHFA programs put you in a home soonest.