House for sale in La Mesa. Photo by Chris Stone If home ownership seems out of reach with the cost of housing in San Diego, there are programs to help. One, San Diego County’s Down Payment and Closing Cost Assistance Program, helps first-time home buyers whose income is 80% or less than the annual area median income. That ranges from $77,200 or less for a single adult, to $110,250 for a family of four and $145,550 for a family of eight. The program offers low-interest loans with deferred payments. The loans may be as much as 22 percent of the sales price for the down payment and up to $10,000 for closing costs. “Buying a home in San Diego is a huge challenge to many famili
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