Can you buy a home in San Diego with a low down payment? Yes—here’s how

Can you buy a home in San Diego with a low down payment? Yes—here’s how  

Many buyers believe they need 20% down to purchase a home—but that’s not always the case.

Here are common options:

• FHA loans → as low as 3.5% down
• Conventional loans → 3–5% down options
• VA loans → 0% down for eligible buyers

But here’s the key—down payment is just part of the equation.

You also need to consider:

• Closing costs
• Monthly payment
• Reserves

The biggest mistake is focusing only on getting into the home—not on affordability long term.

A lower down payment can get you in sooner—but the strategy needs to make sense financially.  

If you’re wondering what you qualify for, I can break down your options and show you realistic scenarios.

Message “LOW DOWN” and I’ll walk you through it.