The CalHome First-Time Homebuyer Mortgage Assistance Program is designed to assist low-income homebuyers by providing down payment and mortgage assistance to reduce the amount of the first mortgage loan on homes located in eligible areas of the City. For additional program information click HERE. To apply for the CalHome Program, contact one of the approved lenders listed here.

The City of Oceanside has implemented a pilot moderate-income homeownership program. This will enable participants to borrow up to $120,000 or 20% of the sales price. Purchase price limits for a single-family home are $600,000 and $450,000 for a condominium, town home, or duplex.

Note: Due to the depletion of funds, the City cannot assist with this program until further notice.

The City of Oceanside administers the Mortgage Credit Certificate (MCC) program in conjunction with our CalHome First-Time Homebuyer Program and applicants must meet the requirements for that program to be eligible to apply. The MCC program provides a tax credit to eligible homebuyers to reduce the amount of Federal income tax the homebuyer pays which enables them to more easily afford to purchase a home. To apply for the MCC Program, contact one of the approved lenders.

Reissued MCCs
As part of the MCC Program, Oceanside offers current MCC holders who wish to refinance their original mortgage loan for the first time the ability to request to have their MCC reissued. 

The City of Oceanside recognizes that homebuyer education is a critical component in preparing buyers for successful, responsible homeownership. Education is also important for homeownership preservation. Oceanside assistance programs require prospective homebuyers attend a course of homebuyer education class provided by a HUD Approved Housing Counseling Agencies.

If you’ve struggled with missed mortgage payments, late property taxes, loan deferrals, partial claim second mortgages, or other homeowner financial hardships, you may qualify for assistance from the California Mortgage Relief Program.

Assistance for homeowners facing COVID-19 related financial hardships.

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The CalHFA ADU Grant program provides up to $40,000 towards pre-development and non-reoccurring closing costs associated with the construction of the ADU. Predevelopment costs include site prep, architectural designs, permits, soil tests, impact fees, property survey, and energy reports.

Assistance with Utilities Bills