Service Areas · Updated July 2026
Same CalHFA programs. Very different math, city by city.
A 3.5% down payment loan means one number in a National City condo and a very different number in a San Diego single-family home. These local guides show what MyHome, ZIP, and Dream For All actually look like at the prices in your target ZIP code.
We work with first-time buyers across all of San Diego County — from the beach cities to East County — plus the fast-growing southwest corner of Riverside County. Every city below has its own guide with approximate local prices, dollar-for-dollar assistance examples, and the neighborhood-level details that generic program pages skip. Pick your city and see what the state of California would contribute toward your down payment there.
San Diego
Condos and townhomes from the $550s put America's Finest City within CalHFA range — plus VA options for military buyers.
San Diego guideChula Vista
Otay Ranch and Eastlake townhomes give growing families room — roughly $24,500 in MyHome help at a $700k price point.
Chula Vista guideOceanside
The last beach city where condos still start in the $500s — and home to thousands of Camp Pendleton VA-eligible buyers.
Oceanside guideEscondido
North County's single-family value play, with a growing downtown and condos from the high $400s.
Escondido guideEl Cajon
East County condos around $450k make this one of the most attainable first purchases in the county.
El Cajon guideVista
The sweet spot between coastal prices and inland commutes, with solid townhome inventory in the $600s.
Vista guideNational City
The most affordable median price in San Diego County, minutes from Naval Base San Diego and downtown.
National City guideTemecula & Murrieta
Riverside County pricing means more house per dollar — but watch the lower county income limits.
Temecula & Murrieta guideOne border, two sets of income limits
CalHFA sets income limits by county, and the line between San Diego and Riverside counties changes your eligibility picture more than most buyers expect. In 2026, a household can earn up to $259,000 in San Diego County and still qualify for MyHome — but the same household house-hunting in Temecula or Murrieta is measured against Riverside County's $210,000 limit. Dream For All has its own, lower thresholds: $207,000 in San Diego County versus $164,000 in Riverside County.
| 2026 limit | San Diego County | Riverside County |
|---|---|---|
| MyHome / CalHFA first mortgage income limit | $259,000 | $210,000 |
| Dream For All income limit | $207,000 | $164,000 |
The practical takeaway: a dual-income couple earning $230,000 qualifies for MyHome in every San Diego County city on this page, but not in Temecula or Murrieta. If you're shopping across the county line, get your income position mapped first — see the full 2026 income limits page or check your eligibility and we'll sort it out for you.
Not sure which city fits your budget?
Tell us your income, savings, and target monthly payment. We'll show you which cities — and which CalHFA programs — put you in a home soonest.