Residential Rehabilitation Program

The City of Encinitas operates a Residential Rehabilitation Program, and the intention of the program is to ensure that residents are living in decent, safe, sanitary homes. Through federal funding sources, the program provides grants and/or low-interest, deferred, and/or forgivable loans for needed home repairs, such as building code violations, health and safety issues, essential repairs of major component systems and general improvements.

As of April 2022, the City of Encinitas is still accepting applications for the Residential Rehabilitation Program but you will be placed on a waitlist.

Program Application    English     Spanish
Program Brochure
Program Guidelines
HCD Manufactured Home Alterations Permit Guide

For more information, please contact: (760) 943-2293, or [email protected]

County of San Diego First-Time Homebuyer Downpayment Assistance Program

As a member of the San Diego HOME Consortium, Encinitas participates in the County’s First-Time Homebuyer Program. The program offers low-interest deferred loans to low-income first-time homebuyers. The loan can be applied towards the downpayment and closing costs of the purchase of a new or re-sale home, meeting certain criteria.

For more information, please contact: (858) 694-4801 or visit the San Diego County Homebuyer Program Website.

Mortgage Credit Certificate

Mortgage Credit Certificates provide first-time homebuyers tax credits equal to 20% of the interest paid on the home. This program is available through the County of San Diego, and is offered to low and moderate income households. The potential homebuyer is required to select a lender from a list of participating lenders.

For more information, please visit the Mortgage Credit Certificate Website.

Homebuyer Education Providers

Homebuyer education classes are offered throughout the County of San Diego and are geared to help provide valuable information in order to achieve goals for homeownership, home retention and financial education.

For more information, please visit the Homebuyer Education Classes.

New Affordable Housing

Occasionally, affordable homes are available for sale as a part of new subdivision.  Typically, these are single-family homes that are made available through the City’s inclusionary housing program or the State’s Density Bonus housing program.  Within the program requirements, the developer performs the marketing, establishes the sale price, creates and maintains an interest list, and determines qualified applicants.  The City performs an oversight role in ensuring compliance of the affordability requirements.  The table below provides information on for sale affordable housing opportunities that may be available in the near future.  As new projects and/or contact information becomes available, this table will be updated.


Number of 

Estimated Project 




Contact Information




AMI = Area Median Income.  Income limits are published annually by the Department of Housing and Urban Development (HUD).