Downpayment Assistance Program (DAP)

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The Downpayment Assistance Program (DAP) is funded by the CalHome Program and offers eligible first-time homebuyers a simple interest, deferred payment loan to assist with the purchase of a home within the City of San Marcos. The DAP loan must be used in conjunction with an original first, fixed-rate, fully amortized 30-year loan. The DAP loan provides gap financing between the first mortgage and the purchase price of the property. The DAP is subject to availability of funds.

Who is eligible?

  • First-time homebuyers (applicants cannot have owned a home in the last 3 years), displaced homemakers and single parents
  • Legal residents of the United States
  • Applicants’ combined projected income must not exceed 80% of the Area Median Income (AMI) for San Diego County as determined by the California Department of Housing and Community Development
  • Applicant must have sufficient funds to meet the required downpayment, closing costs, monthly mortgage payments, property tax, homeowner insurance and homeowner association dues, if applicable


DAP Self-Qualification Form
DAP Lenders
Homebuyer Education Class
DAP Application
DAP Program Policies and Procedures
Report a Concern

For more information, please see the City of San Marcos DAP Policies and Procedures or contact Candi Roberts at (760) 744-1050, ext. 3178.

Si tiene preguntas en español favor de llamar a Veronica Martinez (760)744-1050, extension 3111.


Equal Housing OpportunityThe City of San Marcos is committed to providing equal housing opportunity for all people regardless of race, color, religion, sex, disability, national origin, familial status or any other protected class under Federal and State Law. If you believe you have been a victim of discrimination, or have any questions about fair housing, please contact Legal Aid Society of San Diego at (844) 449-3500. You may also contact the U.S. Department of Housing and Urban Development's Fair Housing hotline (800) 669-9777.

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