First-Time Home Buyer Program

Supporting Home Ownership in Poway (SHOP) Program

The Supporting Home Ownership in Poway (SHOP) Program provides low- and moderate-income homebuyers with assistance to purchase a home in Poway through a Poway Housing Authority and City of Poway funded second mortgages. Homes purchased with the help of SHOP Program loans will remain affordable for a minimum of 45 years, which requires the home to be sold at a restricted resale price to qualified buyers.

SHOP loans are available to qualified applicants only when an existing single-family home financed with a SHOP loan becomes available for resale.

A SHOP Program Overview handout is available for download here.

Unfortunately, no SHOP Program Homes Are Currently Available for Resale

Interest List

If you would like to be one of the first to be notified of the next available for-sale opportunity, make sure you are on our interest list! Please call (858) 668-4551 or email the following information:

  • First and Last Name
  • Email Address

Minimum Application Requirements


  • First-Time Buyer. You may not have owned a home secured by a Deed of Trust in the last 3 years. Those displaced by a divorce do not have to meet this requirement.
  • Down Payment. You are required to provide a percentage of the purchase price toward the down payment and any related fees. The percentage is 5% for moderate-income buyers. This money can be gifted but cannot be a recorded loan. Closing costs and lender required reserves would be additional.
  • Income Requirements. To initially qualify, your gross household annual income and assets (all adults that would reside in the home and be listed on the title and loan documents) must fall between the minimum and maximum limits displayed below, based on total household size.

2022 Gross Household Income Limits
 80% – 120% of San Diego County Area Median Income

Household Size

Minimum Income*

Maximum Income*

Maximum Assets*

























*Income and Asset limits do not constitute all necessary eligibility requirements.

 Questions about the SHOP program or the homebuying process shall be directed to:
Marie Sanders, Senior Management Analyst, (858) 668-4637 |