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2007 Affordable Housing Resources Guide
Expanded City of San Diego edition Eligibility Requirements for Housing Assistance Programs City of San Diego Housing Programs Section 8 Rental Assistance SDHC Rental Communities Shared Housing Single Room Occupancy Hotels Home Security Screen Door & Lighting Minor Home Repairs Owner-Occupied Residential Rehabilitation Targeted Owner-Occupant Rehabilitation Rental Residential Property Rehabilitation Home Purchasing Assistance Rental Housing Development
Housing Services by Area
Housing costs in the San Diego region have escalated dramatically over the past few years. Home prices and rents are sky-high, while vacancy rates are at an all-time low. San Diego’s lower-income families and individuals are struggling more than ever to find safe and decent affordable housing. The Federal government, through the Department of Housing and Urban Development (HUD), funds programs that are operated by cities and counties. Two of the AMI programs that help low income families afford housing - rental assistance (section 8) and public housing (apartments owned by the city or county housing agency) - help thousands of San Diego region families. Unfortunately, the waiting list is long (about 25,000 families with the City of San Diego's Housing Commission) and the length of wait averages five to seven years. If you believe you qualify for either of these programs (see inside for qualifications), you should get on the waiting list right away. Wait time is generally lower for public housing than rental assistance. In the meantime, while you are waiting, there are apartment complexes that offer rents below market rates. That list is included here (See "Countywide Affordable Housing"). While some of these complexes' affordable units also have a waiting list, they tend to be shorter than the waiting list for rental assistance and public housing. You will also find in this directory information about housing rehabilitation, shared housing facilities, home purchasing assistance, and emergency shelters. In this one directory, you will find information and phone numbers to call regarding resources in the City of San Diego, the County of San Diego, and 18 cities. If you know of any County agencies or programs that should be included in this directory, please let us know by contacting the editor for the City's affordable housing resources guide at bridgita@sdhc.org. Eligibility Requirements for Housing Assistance Programs Geography Eligibility for housing programs depends upon your income, where you live, and any adjustments in income limits as required by the U.S. Department of Housing & Urban Development (HUD). If you live in the City of San Diego, you may be eligible to participate in the San Diego Housing Commission's programs. Refer to the City of San Diego Housing Programs beginning on page 3. If you live in the unincorporated areas of the county, or in the cities of Coronado, Del Mar, Imperial Beach, Lemon Grove, Poway, San Marcos, or Solana Beach, you may be eligible to participate in the County's housing programs. Refer to the Housing Services by Area section beginning on page 9. If you live in the County of San Diego, but not in the City of San Diego or in the cities listed above, you may qualify for help through the County’s Department of Housing and Community Development. Income The programs here help families with a broad range of income levels. Most require you to earn no more than 80% of the area median income (as adjusted by HUD), though some are available only to lower incomes. Apartment Complexes The apartment complexes included in this guide also range in terms of eligible incomes. Please contact the apartment complexes directly for information on rents and income requirements. Other requirements are listed in the "Clientele" column of the table. Program Specific Guidelines Each program summary outlines its income eligibility requirements. Most programs included in this directory are only available to households whose annual income is below 80% of San Diego's Area Median Income (AMI).
*Note: Income limits for all programs subject to change; programs with income limits 80% AMI and below are based on a HUD-adjusted formula. Shelters The Countywide Homeless Shelters list naturally focuses on the homeless; however, many shelters have additional requirements. You should check the "Clientele" and “Special Needs” column of the table to see if you are eligible. The San Diego Housing Commission operates a number of housing programs for City of San Diego residents. Information on City housing programs is summarized below. Section 8 Rental Assistance Program Section 8 rental assistance provides rent subsidies to lower-income and special needs households so their housing costs are 30 percent or less of their adjusted monthly household income. Participants in the program are responsible for finding a housing unit that complies with program guidelines. The Housing Commission inspects all assisted units to ensure they are in decent, safe, and sanitary condition. Eligibility To qualify, applicants must be very low-income family or a single person who is a senior citizen (62 years of age or older), disabled, U.S. veteran, or homeless person with a disability. Geography—If you live in one of the other 17 cities, or in the unincorporated areas of the county, you may qualify for programs offered by the County or by your city. Refer to the Housing Services by Area section and the Quick List. Income—Gross household annual gross income must be at or below 80% of San Diego's Area Median Income (AMI). Click here for specific income limit figures. Contact For application and waiting list information recording, call 619.578.7305 (English) or 619.578.7306 (Spanish) or 619.578.7307 (Vietnamese).
Section 8 Rental Assistance: 13,700 Households Note: The waiting list for Section 8 rental assistance is five to seven years long. The City of San Diego’s Housing Commission owns and manages 1,746 rental housing units scattered throughout the City. These small (most have fewer than 25 units), well-maintained apartments provide affordable housing for low-income families, senior citizens, and disabled persons. Eligibility To qualify, applicants must be a senior citizen (62 years of age or older), disabled, homeless, displaced by government action and/or a very low-income family. Geography—If you live in one of the other 17 cities, or in the unincorporated areas of the county, you may qualify for programs offered by the County or by your city. Refer to the Housing Services by Area section and the Quick List. Income—Gross household annual gross income must be at or below 80% of San Diego's Area Median Income (AMI). Click here for specific income limit figures. Contact For application and waiting list information recording, call 619.578.7305 (English) or 619.578.7306 (En Espaņol) or 619.578.7307 (In Vietnamese).
SDHC Rental Communities: 1,746 Households Note: The waiting list for SDHC Rental Communities is two to three years long (depending on bedroom size). The wait for four or five bedrooms is considerably longer. Shared Housing ProgramThe Shared Housing Program matches persons in need of low-cost housing with residents who have space in their homes to share. Home providers supply a private bedroom, shared common space and utilities in exchange for the home seeker’s contribution of services or low rent. This program is funded by the Housing Commission and is operated by ElderHelp of San Diego, a nonprofit agency. Eligibility Must be English speaking. Must meet the HUD low-, very-low or extremely-low-income requirement (under $29,000). Must be over the age of 18. Geography—Must live in the City of San Diego. Contact Call ElderHelp of San Diego at 619.284.9281 for information on the Shared Housing Program. Single Room Occupancy (SRO) Hotels Single Room Occupancy (SRO) hotels are single room units with a bed, small refrigerator, and a microwave. These units usually do not require security deposits, or first and last months’ rent, and have lower rents. Click here for a list of the SRO hotels in the City of San Diego. Contact Call or visit SRO hotels directly. Home Security Screen Door & Lighting Program The Home Security Screen Door & Lighting Program funds the installation of free security screen doors and exterior lighting to owner-occupied households. Preference is given to seniors (62 year of age or older) or disabled persons. The San Diego Housing Commission contracts with Labor’s Community Service Agency to administer this program. Eligibility Geography—Must live in targeted zip codes of City of San Diego: Portions of 92101, 92102, 92103, 92104, 92105, 92108, 92109, 92110, 92113, 92114, 92115, 92117, 92123. 92139. Income—Households’ annual gross income must be at or below 80% of San Diego's Area Median Income (AMI). Click here for specified income limit figures. . Contact Call Labor’s Community Service Agency at 858.277.9962 for information on this program. Minor Home Repairs Program The Minor Home Repairs Program provides limited home repair and some materials to very-low income, seniors (62 years of age or older), and disabled homeowners. The San Diego Housing Commission contracts with three agencies to administer this program.
Eligibility Geography—Please refer to the following table for geographic eligibility and contact information. Income—Household’s annual gross income must be at or below 50% of San Diego's Area Median Income (AMI). Click here for specified income limit figures. Owner-Occupied Residential Rehabilitation Program The following programs are administered for the City of San Diego by the San Diego Housing Commission and provide loans for the repair of owner-occupied homes and grants for the repair of mobile homes within the City of San Diego. Five types of assistance are available to eligible applicants. One Percent (1%) Deferred Payment Loans
Deferred payment loans are offered at one percent simple interest for one-
to four-unit owner-occupied properties. Loans of up to $35,000 for
single-unit properties and $50,000 for two- to four-unit properties are
available and require full principal with interest repayment upon resale,
refinance or further loans against the property, or thirty (30) years,
whichever event occurs first. Single unit owner-occupants may qualify for zero percent deferred payment loans of up to $20,000. No monthly payments are required and no interest is accrued. Owner must repay entire principal amount upon resale, refinance, rental or further loans against the property. This type of loan can only be used once and can not be used in conjunction with the one percent deferred loans described above. Deferred Payment Loans Single unit owner-occupants may qualify for zero percent deferred payment loans of up to $10,000. No monthly payments are required and no interest is accrued. Owner must repay entire principal amount upon resale, refinance, rental or the assumption of further loans against the property. This type of loan can only be used once and can not be used in conjunction with the three percent loans described above. Mobile Home Repair Grants One-time non-repayable grants of up to $5,500 are available to owner-occupants of mobile homes for the elimination of health and safety hazards. Lead Paint Hazard Reduction Grants Owner-occupied or rental properties constructed prior to 1979 which have children under six years of age either residing or frequently visiting (6 hours per week) and which are found to have lead hazards may be eligible for grants to remove the lead hazards up to $10,000 for a single family unit and as much as $5,000 per multi-family unit, with an additional $5,000 available for common areas. These grants may be combined with the other housing rehabilitation loans referenced in this section.Eligibility Geography–Must live in the City of San Diego. Value - A Single Family Residence must be valued at under $499,510 to be eligible for assistance. Income--To qualify for all owner-occupied programs except zero-interest loans and mobile home grants, applicants must earn 80 percent or less of Area Median Income (AMI). For zero-interest loans and mobile home grants, household income may not exceed 60 percent of the AMI. Contact Call 619.578.7521 for more information on the Citywide Rehabilitation Program. Targeted Owner-Occupant Rehabilitation Additional rehabilitation assistance is available for residential properties in the following targeted areas of the City of San Diego. To qualify, the owner must reside in the property that will be renovated. Click here for specified income limit figures. Southcrest Redevelopment Area (Street Boundaries: I-15 on West, 44th Street on East, Logan Avenue on North, and Gamma Street on South) Mt. Hope Redevelopment Area (Street Boundaries: I-15 on West, I-805 on East, Highway 94 on North, and Imperial Avenue on South) The following housing rehabilitation programs are available in both the Southcrest and Mt. Hope Redevelopment Areas:
City Heights Redevelopment Area (I-805 to 54th St, Home Ave on south, Meade Ave on north from I-805 to Central Ave, and Monroe Ave on north from Central Ave to 54th St)
Crossroads Redevelopment Area (Street Boundaries: Fox Canyon south of University Avenue between Euclid Avenue and 54th Street, Streamview Drive between 54th Street and College Avenue, University Avenue between 54th and 69th Streets, El Cajon Blvd. between 54th and 73rd Streets)
Linda Vista Redevelopment Area (Street Boundaries: I-5 on the west, Hwy 163 on the east, Friars Rd on the south, I-805/Linda Vista Rd/Mesa College Dr/Tecolote Canyon/Rd on the north) A forgivable home repair loan up to $10,000 is available to owner-occupied properties constructed prior to 1950 (no unit limit) with household gross income under 100% AMI. The loans are deferred at 3% simple interest and are forgiven over a ten (10) year period conditioned on continued owner-occupancy and no new loans against the property. If sold or further encumbered with the first five years, the borrower would repay full loan amount plus 3% simple interest per year. Commencing with years six through ten, twenty (20) percent of the principal will be forgiven each yeaContact Call 619.578.7521 for more information on the Targeted Owner-Occupant Rehabilitation programs. Mortgage Credit Certificate Program (MCC) First-time homebuyers purchasing houses or condominiums within the City of San Diego can receive a tax credit equal to either 15 or 20 percent of the mortgage interest they pay each year on their federal income taxes. This increases their take home pay, which helps them make their monthly mortgage payment and qualify for a larger first mortgage. Buyers apply through participating lenders. Maximum income for a one-to-two person household is $82,200 and $95,900 for three or more. Maximum purchase price is $438,469 for resale homes and $443,280 for new. In certain targeted census tracts, income and purchase price limits are higher, and first-time buyer status is waived.
Eligibility Geography—Must live in the City of San Diego. Down Payment/Closing Cost Assistance Grant Under the City of San Diego’s Mortgage Credit Certificate (MCC) Program, a buyer applying for a MCC can also apply for a recoverable grant equal to four percent of the purchase price, not to exceed $10,000, to be used toward the down payment and closing cost assistance. The four percent assistance will be comprised of two percent for the down payment with the balance being used for closing costs. The buyer must be a first-time homebuyer whose income falls within certain guidelines. The grant is recoverable if the buyer sells or rents the home within the first six years. It is only available with first mortgages without a balloon payment. First-time homebuyers should apply through the MCC participating lender who is providing the first mortgage. Eligibility Geography—Must live in the City of San Diego. Income—Household’s annual gross income must be at or below 100% of San Diego's Area Median Income (AMI). Click here for specific income limit figures. San Diego Shared Equity Program This is a federally funded program available to qualified first-time homebuyers earning 80 percent or less of the median area income, as adjusted for family size. This program can help a buyer purchase a home in the City of San Diego by providing a second trust deed loan. The shared equity loans are zero percent interest and require no monthly payments of principal. The loan term is 30-years. However, if the buyer sells the property or pays off the shared equity loan within the first 15 years, the equity in the property is shared with the Housing Commission. The maximum loan amount is $93,812 or 25 percent of the purchase price or appraised value; whichever is less. Buyer must have adequate income and an acceptable credit history, plus sufficient funds available for a minimum down payment of three percent and closing costs. Also, buyer is required to attend a homebuyer class. Maximum purchase price or appraised value is $375,250. First time homebuyers should apply through the shared equity participating lender providing the first mortgage. Eligibility Geography – Must live in the City of San Diego. Income—Household’s annual gross income must be at or below 80% of San Diego's Area Median Income (AMI). Click here for specific income limit figures CalHome First-time Homebuyer Mortgage Assistance Program Eligibility Geography – Must live in the City of San Diego. Income – Household’s annual gross income must be at or below 80% of San Diego’s Area Median Income (AMI). Click here for specific income limit figures Condominium Conversion Loans 80% Area Median Income This program is designed to make funds available to low and very low-income households to help with the purchase of their existing rental unit that is being converted to a condominium. The financing is in the form of a second trust deed loan. The loans are zero percent interest and require no monthly payments of principal; however, there is a shared equity provision. The loan term is 30-years. If the buyer sells the property or pays off the loan within the first 15 years, the equity in the property is shared with the Housing Commission. The maximum loan amount is $93,812 or 25 percent of the purchase price or appraised value; whichever is less. The maximum purchase price or appraised value is $375,250 as approved by HUD, resulting in a maximum shared equity loan of $93,812. Buyer must have adequate income and an acceptable credit history, plus sufficient funds available for a minimum down payment of three percent and closing costs. Also, buyer is required to attend a homebuyer class. Existing tenants in rental units being converted to condominiums who are first time homebuyers can contact the Housing Commission at (619) 578-7491 for lender information. Eligibility Geography – Must live in the City of San Diego. Income – Household’s annual gross income must be at or below 80% of San Diego’s Area Median Income (AMI). Click here for specific income limit figures Condominium Conversion Loans 100% Area Median Income This is a locally funded homeownership program to assist low to moderate income tenants living in rental property that is being converted to condominiums purchase a unit in their development. This program provides financing, in the form of a second trust deed loan, not to exceed $15,000. The loan is for 30-years at zero percent interest and has no monthly payments. However, if the buyer sells the property or pays off the Housing Commission loan, they must pay an amount equal to the Housing Commission’s share of appreciation in value of the property. That is, if the Housing Commission loan equaled 10 percent of the initial value of the home, a maximum of 10 percent of the appreciation will be due the Housing Commission. Buyer must have adequate income and an acceptable credit history, plus sufficient funds available for a minimum down payment of three percent and closing costs. There is no maximum purchase price; however, the price paid for the house must be substantiated by a qualified appraiser. Existing tenants in rental units being converted to condominiums who are first time homebuyers can contact the Housing Commission at (619) 578-7491 for lender information. Eligibility Geography – Must live in the City of San Diego Income – Household’s annual gross income must be at or below 100% of San Diego’s Area Median Income (AMI). Click here for specific income limit figures Centre City Development Corporation’s (CCDC) Downtown First-time Homebuyer Program In an effort to make home ownership more accessible and affordable, Centre City Development Corporation (CCDC) on behalf of the Redevelopment Agency of the City of San Diego, created a program that assists first-time homebuyers earning 120 percent or less of area median income to purchase a home in downtown San Diego. This program provides financing, in the form of a second trust deed loan, not to exceed $75,000. The loan is for 30-years at zero percent interest and has no monthly payments for the first five years. Beginning year six, buyers will be required to make level monthly principal payments. If the buyer sells within 30 years, they must pay an amount equal to CCDC’s share of appreciation in value of the property. From year 35 to year 45, CCDC’s share of appreciation is reduced by 50 percent. First-time homebuyers should apply through the participating lender providing the first mortgage. Maximum Qualifying Income Limits Source: HUD 4004
Eligibility Geography – Any single-family residence, condominium unit, or townhouse located
in downtown neighborhoods within the Centre City or Horton Plaza redevelopment
projects. The San Diego Housing Commission works in partnership with for-profit and nonprofit developers to build affordable housing complexes throughout the City of San Diego. Target populations are extremely low-, very low-, and low-income households including families, seniors, and special needs populations. Eligibility Geography-All projects must be located in the City of San Diego. |
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