Stop Renting. Start Owning.
Your San Diego Home is Closer Than You Think.
Discover how grants and down payment assistance from the San Diego Housing Commission can turn your homeownership dream into a reality.
Unlock up to $150,000 in assistance.
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<html>
<body><svg width="300" height="100" viewBox="0 0 300 100" xmlns="http://www.w3.org/2000/svg" aria-label="San Diego Housing Grants Logo">
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/*
==========================================================================
CSS STYLESHEET
This section contains all the styling for the lead-generation website.
The design choices are intentional, aiming to build trust, convey professionalism,
and guide the user toward the primary conversion goal: submitting the form.
==========================================================================
*/
/* --- 1. Global Styles & Variables --- */
/*
* The color palette is chosen to evoke trust and optimism.
* --primary-color (deep blue): Conveys stability, trust, and professionalism, appropriate for a financial decision.
* --secondary-color (warm gold/orange): Represents optimism, success, and the sunny San Diego lifestyle. Used for calls-to-action.
* --dark-gray & --light-gray: Provide clean, readable text and subtle background variations.
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/* Basic reset and box-sizing for consistent layout */
*, *::before, *::after {
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html {
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/*
* The hero section is the most critical part of the page for capturing attention.
* A full-screen background image creates an immediate emotional connection. The image selected should be aspirational and relatable.[1, 2]
* A semi-transparent overlay ensures the white text is readable against the background image.
* The text is centered and given a subtle shadow to pop.
*/
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/*
* The CTA button is the primary conversion element. It uses the high-contrast secondary color to draw the user's eye.
* It's large, with clear, benefit-oriented text.
* The hover effect provides visual feedback, improving user experience.
*/
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/* --- 4. Content Sections Styling --- */
.section-intro {
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margin: 0 auto 40px auto;
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/* Section 2: The Challenge & Solution */
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.benefits-list li {
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/* Section 3: Programs Table */
/*
* The table is designed for maximum readability. Alternating row colors (zebra-striping) helps guide the eye.
* On mobile devices, a standard table can be difficult to read. The media query below transforms the table into a card-based layout for screens smaller than 768px, ensuring usability.
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.path-step h3 {
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/* Section 5: Lead Capture Form */
/*
* The form is the conversion centerpiece. It's designed to be simple and non-intimidating.
* Labels are clear, and inputs are large and easy to use.
* The submit button uses the primary CTA style for consistency and visual prominence.
*/
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/* Section 6: FAQs */
/*
* Using the native <details> and <summary> elements for the FAQ creates an interactive accordion
* without needing JavaScript. This is efficient and accessible.
*/
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.faq-item {
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.faq-item summary {
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.faq-item div {
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.about-image {
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.about-image img {
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.about-text {
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/* --- 5. Footer --- */
footer {
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/* --- 6. Responsive Design --- */
/*
* Media queries are essential for a modern website. These adjustments ensure the site looks
* and functions well on tablets and mobile phones, which is where a majority of users
* will likely first encounter it.
*/
@media (max-width: 768px) {
h1 { font-size: 2.2rem; }
h2 { font-size: 1.8rem; }
.container { padding: 40px 15px; }
/* Responsive Hero */
.hero { height: 80vh; }
.hero.sub-headline { font-size: 1.1rem; }
/* Responsive Path Section */
.path-container {
flex-direction: column;
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.path-step {
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/* Responsive About Section */
.about-container {
flex-direction: column;
text-align: center;
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/* Responsive Table */
.programs-table thead {
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.programs-table tr {
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</style>
<header class="hero">
<div class="hero-content">
<h1>Stop Renting. Start Owning. Your San Diego Home is Closer Than You Think.</h1>
<p class="sub-headline">
Discover how grants and down payment assistance from the San Diego Housing Commission can turn your homeownership dream into a reality. Unlock up to $150,000 in assistance.
</p>
<a href="#contact-form" class="cta-button">See If You Qualify For Free</a>
</div>
</header>
<main>
<section id="solution" class="container">
<div class="section-intro">
<h2>Bridging the Gap Between Your Savings and Your San Diego Front Door.</h2>
<p>Saving for a down payment in San Diego can feel like an impossible climb. That's why the San Diego Housing Commission (SDHC), a dedicated public agency, offers powerful programs specifically designed to help first-time homebuyers like you.[3, 4] These are official, government-backed initiatives created to make homeownership more accessible for our community.</p>
</div>
<ul class="benefits-list">
<li>Receive tens of thousands of dollars for your down payment.</li>
<li>Get grants to cover your closing costs—some of which are completely forgivable! [3]</li>
<li>Benefit from low-interest loans with payments deferred for up to 30 years. [5]</li>
</ul>
</section>
<section id="programs" class="container">
<div class="section-intro">
<h2>Find the Program That's Right For You.</h2>
<p>Assistance varies by your location (City vs. County) and your household income. This simplified guide highlights the key options available to help you understand what you might qualify for. The official guidelines can be complex, but we've distilled the most important details here.[6, 7]</p>
</div>
<table class="programs-table">
<thead>
<tr>
<th>Program Name & Area</th>
<th>Who It's For (Income Level)</th>
<th>Max Assistance Available</th>
<th>Key Feature</th>
</tr>
</thead>
<tbody>
<tr>
<td data-label="Program"><strong>City of San Diego Low-Income</strong> (ZIPs starting with 921)</td>
<td data-label="Income Level">Below 80% of Area Median Income (AMI)</td>
<td data-label="Max Assistance">Up to 19% of price (max $125k) + $10k grant [3, 6]</td>
<td data-label="Key Feature">30-year deferred loan. Great for maximizing loan amount.</td>
</tr>
<tr>
<td data-label="Program"><strong>City of San Diego Middle-Income</strong> (ZIPs starting with 921)</td>
<td data-label="Income Level">80% - 150% of AMI</td>
<td data-label="Max Assistance">$40,000 loan + $10,000 forgivable grant [3]</td>
<td data-label="Key Feature">Fixed $50k assistance. Loan payments begin in year 6. [8]</td>
</tr>
<tr>
<td data-label="Program"><strong>County of San Diego Low-Income</strong> (12 participating cities + unincorporated)</td>
<td data-label="Income Level">Below 80% of AMI</td>
<td data-label="Max Assistance">Up to 22% of price + up to $10k for closing costs [3, 9]</td>
<td data-label="Key Feature">Highest percentage assistance for low-income buyers.</td>
</tr>
<tr>
<td data-label="Program"><strong>County of San Diego Moderate-Income</strong> (6 participating cities + unincorporated)</td>
<td data-label="Income Level">80% - 120% of AMI</td>
<td data-label="Max Assistance">Up to 17% of the purchase price [6, 10]</td>
<td data-label="Key Feature">Simple, effective down payment boost for moderate earners.</td>
</tr>
<tr>
<td data-label="Program"><strong>City of Chula Vista Program</strong></td>
<td data-label="Income Level">Below 80% of AMI</td>
<td data-label="Max Assistance">Up to 22% of price (max $120k) [3]</td>
<td data-label="Key Feature">Significant assistance specifically for Chula Vista residents.</td>
</tr>
<tr>
<td data-label="Program"><strong>City of El Cajon Program</strong></td>
<td data-label="Income Level">Below 80% of AMI</td>
<td data-label="Max Assistance">Up to 25% of price (max $150k) [3, 5]</td>
<td data-label="Key Feature">The highest percentage of assistance available in the county.</td>
</tr>
</tbody>
</table>
</section>
<section id="path" class="container">
<div class="section-intro">
<h2>Your Simple 4-Step Path to Unlocking the Door.</h2>
<p>Navigating these programs can seem daunting, but it doesn't have to be. We simplify the entire process into four clear steps, guiding you from initial curiosity to holding the keys to your new home.</p>
</div>
<div class="path-container">
<div class="path-step">
<div class="path-icon">
<svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24" stroke-width="1.5" stroke="currentColor"><path stroke-linecap="round" stroke-linejoin="round" d="M9 12.75L11.25 15 15 9.75M21 12a9 9 0 11-18 0 9 9 0 0118 0z"></path></svg>
</div>
<h3>1. Free Eligibility Check</h3>
<p>Fill out our quick form below. We'll assess your basic information against the latest SDHC program guidelines [6, 11] to see which grants and loans you may qualify for—at no cost to you.</p>
</div>
<div class="path-step">
<div class="path-icon">
<svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24" stroke-width="1.5" stroke="currentColor"><path stroke-linecap="round" stroke-linejoin="round" d="M15.75 6a3.75 3.75 0 11-7.5 0 3.75 3.75 0 017.5 0zM4.501 20.118a7.5 7.5 0 0114.998 0A17.933 17.933 0 0112 21.75c-2.676 0-5.216-.584-7.499-1.632z"></path></svg>
</div>
<h3>2. Connect with a Specialist</h3>
<p>The SDHC requires all applicants to work with an approved lender.[3, 10] We'll connect you with a trusted, participating loan officer who specializes in these powerful programs.</p>
</div>
<div class="path-step">
<div class="path-icon">
<svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24" stroke-width="1.5" stroke="currentColor"><path stroke-linecap="round" stroke-linejoin="round" d="M19.5 14.25v-2.625a3.375 3.375 0 00-3.375-3.375h-1.5A1.125 1.125 0 0113.5 7.125v-1.5a3.375 3.375 0 00-3.375-3.375H8.25m2.25 0H5.625c-.621 0-1.125.504-1.125 1.125v17.25c0.621.504 1.125 1.125 1.125h12.75c.621 0 1.125-.504 1.125-1.125V11.25a9 9 0 00-9-9z"></path></svg>
</div>
<h3>3. Secure Your Loan & Grant</h3>
<p>Your specialist will guide you through the application, help you attend the required homebuyer education classes [5, 8], and submit all documentation to the SDHC on your behalf.</p>
</div>
<div class="path-step">
<div class="path-icon">
<svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24" stroke-width="1.5" stroke="currentColor"><path stroke-linecap="round" stroke-linejoin="round" d="M15.75 5.25a3 3 0 013 3m3 0a6 6 0 01-7.029 5.912c-.563-.097-1.159.026-1.563.43L10.5 17.25H8.25v2.25H6v2.25H2.25v-2.818c0-.597.237-1.17.659-1.591l6.499-6.499c.404-.404.527-1.43-1.563A6 6 0 1121.75 8.25z"></path></svg>
</div>
<h3>4. Get Your Keys!</h3>
<p>Once your assistance is approved and your home loan is finalized, you'll be ready to close the deal and move into your new San Diego home. [12, 13]</p>
</div>
</div>
</section>
<section id="contact-form" class="container">
<h2>Start Your Free Eligibility Assessment.</h2>
<p>This takes 60 seconds. We'll review your information and contact you to discuss your potential options.</p>
<div class="form-container">
<form action="" method="POST">
<div class="form-group">
<label for="name">Full Name:</label>
<input type="text" id="name" name="name" required="">
</div>
<div class="form-group">
<label for="email">Email Address:</label>
<input type="email" id="email" name="email" required="">
</div>
<div class="form-group">
<label for="phone">Phone Number:</label>
<input type="tel" id="phone" name="phone" required="">
</div>
<div class="form-group">
<label for="household-size">Household Size:</label>
<select id="household-size" name="household_size" required="">
<option value="">-- Please select --</option>
<option value="1">1 person</option>
<option value="2">2 people</option>
<option value="3">3 people</option>
<option value="4">4 people</option>
<option value="5">5 people</option>
<option value="6">6 or more people</option>
</select>
</div>
<div class="form-group">
<label for="income">Estimated Annual Household Income:</label>
<select id="income" name="income" required="">
<option value="">-- Please select --</option>
<option value="<90k">Under $90,000</option>
<option value="90-110k">$90,000 - $110,000</option>
<option value="110-130k">$110,000 - $130,000</option>
<option value="130-150k">$130,000 - $150,000</option>
<option value="150-175k">$150,000 - $175,000</option>
<option value="175-200k">$175,000 - $200,000</option>
<option value=">200k">Over $200,000</option>
</select>
</div>
<div class="form-group">
<label for="location">Desired Home Location:</label>
<select id="location" name="location" required="">
<option value="">-- Please select --</option>
<option value="city_sd">City of San Diego</option>
<option value="chula_vista">Chula Vista</option>
<option value="el_cajon">El Cajon</option>
<option value="county_other">Other County Area</option>
<option value="unsure">I'm not sure yet</option>
</select>
</div>
<button type="submit" class="cta-button form-submit-button">Check My Eligibility Now!</button>
<p class="privacy-statement">We respect your privacy. Your information will only be used to contact you about San Diego homebuyer programs.</p>
</form>
</div>
</section>
<section id="faq" class="container">
<div class="section-intro">
<h2>Frequently Asked Questions</h2>
</div>
<div class="faq-container">
<details class="faq-item">
<summary>What does "First-Time Homebuyer" actually mean?</summary>
<div>
<p>According to the San Diego Housing Commission guidelines, a "first-time homebuyer" is generally defined as a person who has not owned a home within the last three years. This includes property owned in other countries. There are some specific exceptions for individuals like displaced homemakers or single parents who may have previously owned a home with a spouse.[8, 11]</p>
</div>
</details>
<details class="faq-item">
<summary>What is Area Median Income (AMI) and how is it calculated?</summary>
<div>
<p>Area Median Income (AMI) is a key statistic published annually by the U.S. Department of Housing and Urban Development (HUD) for the San Diego metropolitan area. The assistance programs use a percentage of this figure (e.g., 80%, 120%, 150%) to set the maximum income limits for eligibility, adjusted for the number of people in your household. We use the official SDHC income charts to determine which bracket you fall into.[6, 14]</p>
</div>
</details>
<details class="faq-item">
<summary>Do I have to pay this assistance back?</summary>
<div>
<p>It depends on the program and type of assistance. Most of the down payment help comes in the form of a deferred-payment loan. This means you don't make any monthly payments for up to 30 years. The loan is typically repaid when you sell the home, refinance, or at the end of the 30-year term.[5] Some closing cost assistance is structured as a grant, which can be completely forgiven if you live in the home as your primary residence for a set period, often 3 years.[3]</p>
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</details>
<details class="faq-item">
<summary>What kind of credit score do I need?</summary>
<div>
<p>The minimum FICO credit score for most of these programs is 640. However, some programs, particularly those for middle-income buyers or those with higher debt-to-income ratios, may require a higher score, such as 720, to qualify for the maximum flexibility.[6, 8, 11]</p>
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</details>
<details class="faq-item">
<summary>Are there any classes I have to take?</summary>
<div>
<p>Yes, all SDHC programs require applicants (and any non-borrowing spouse) to complete both a Homebuyer Education class and a Pre-Purchase Counseling session from an SDHC-approved provider. These are two separate requirements. We can help you find a list of approved providers and get these scheduled as part of the process.[5, 8, 10]</p>
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</details>
<details class="faq-item">
<summary>Can I choose any house in San Diego?</summary>
<div>
<p>Each program has specific geographic boundaries. For example, the City of San Diego programs are restricted to properties with ZIP codes beginning in 921. The County programs are for homes in unincorporated areas and a list of specific participating cities like Poway, La Mesa, and Vista. The Chula Vista and El Cajon programs are exclusive to homes within those city limits. Part of our service is ensuring the home you love is in an eligible area for the program you qualify for.[3, 10]</p>
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<img src="https://images.unsplash.com/photo-1599566150163-29194dcaad36?q=80&w=1887&auto=format&fit=crop" alt="Your Name, San Diego Real Estate Specialist">
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<h3>Meet</h3>
<p><strong>Your San Diego Homeownership Advocate</strong></p>
<p>My mission is simple: to help hardworking San Diegans navigate the path to homeownership. I believe that owning a home in our beautiful city shouldn't be an impossible dream. With deep expertise in the San Diego Housing Commission's first-time homebuyer programs, I specialize in connecting people with the grants and loans that make all the difference.</p>
<p>I am passionate about empowering my clients with the knowledge and guidance they need to make confident, informed decisions. Let's work together to turn your dream of owning a home into your new address.</p>
<p><strong>, CalDRE #01234567</strong></p>
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<p>Phone: (619) 555-1234 | Email: [your.email@brokerage.com]</p>
<p class="disclaimer">
is an independent real estate service and is not an official representative or affiliate of the San Diego Housing Commission (SDHC) or any government entity. We specialize in helping homebuyers understand and navigate the application process for SDHC's first-time homebuyer programs. All program details are subject to change and are based on information provided by the SDHC.
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