Vista Home Ownership Program (VHOP) - Down Payment Assistance Loans
The Vista Home Ownership Program (VHOP) serves qualifying first-time home buyers with down payment assistance loans to purchase homes located within the City of Vista.
The maximum VHOP loan amount is $60,000 for single family homes/condominiums and $40,000 for mobilehomes OR no more than 100% of the buyer's primary loan amount, whichever is lower. There are no monthly payments on the VHOP loan, however, the loan must be repaid upon sale, transfer, refinance, or if the owner no longer resides in the home.
Prospective applicants must have a household income that does not exceed 120% of the San Diego County Area Median Income. Click here for a chart showing the 2008 income limits for low- and moderate-income households.
A new component of VHOP serves sworn law enforcement officer households. The property to be purchased must be located in qualified areas within the City of Vista. Click here for a map showing these areas.
The Vista Home Ownership Program also requires that the applicant(s), attend a homebuyer education class. Click here for a list of homebuyer education providers.
For more information, please call (760) 639-6191.
VHOP Lenders
Click here for links to the EPA Lead Based Paint pamphlet in English and Spanish.
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Mobilehome Accord
The City of Vista City Council has found and determined that mobilehome parks within the City are an important supply of housing for senior citizens and low and moderate income persons and families. It has been determined it is necessary and proper for the protection of the health, safety and welfare of the citizens to regulate certain aspects of the tenant/landlord relationship and other conditions within mobilehome parks.
Therefore, the City of Vista has established a program of contractual obligations, known as the Mobilehome Park Accord, with owners of privately held mobilehome parks within the City to encourage equitable treatment, fair dealing and an alternative "model lease agreement" between the owners and their tenants. An important element of the Accord is the provision of a means for identifying and resolving disputes between owners and residences.
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Vista Mobilehome Assistance Program (VMAP)
This program helps very low income mobilehome owners with assistance for housing costs. The amount of assistance is based upon household income.
Applicants must meet the following requirements:
- Registered owner-occupant of a mobilehome located in Vista participating park.
- Gross household income does not exceed 50% of the San Diego County Median Income adjusted by household size as established by U.S. Department of Housing and Urban Development (HUD).
- Net household assets do not exceed $50,000.
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Household is paying 30% or more of its gross income for housing costs.
Click here for a VMAP Summary of Eligibility Requirements.
For additional information please call (760) 639-6191.
 View the VMAP brochure in English or Spanish.
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Mortgage Credit Certificate
This program allows low to moderate income, first time home buyers to take a 15% federal income tax credit for the annual interest paid on the mortgage use to buy their home. This credit reduces the federal income taxes of the buyer, resulting in an increase in the buyer's net earnings, as well as an ability to qualify for the mortgage loan.
The home buyer must occupy the home as a principal residence, and cannot have owned a home in the last three years.
For more information visit the AHA Housing website.
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Rehabilitation Contractors
If you are a licensed and insured contractor and would like to be on our contractor list, please complete the forms attached and forward it to the Housing Department, Attn: Sr. Housing Specialist.
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Residential Housing Rehabilitation Loan Program
The City of Vista Rehabilitation ("Rehab") Loan Program preserves housing stock within the City while assisting very low and low-income persons. This home preservation program may be used for many repairs such as roofs, siding, plumbing, electrical, steps, windows, heating & air conditioning, hot water heaters, etc.
The Rehab Loan Program is an owner-occupied program that applies to single family homes, duplexes and mobilehomes.
This program aids owners who have an annual income that does not exceed 80% of the Area Medium Income (AMI) adjusted by family size as determined by HUD. The maximum loan amount is no more than $50,000 for single family or duplexes and $25,000 for mobilehomes.
When the property is sold, leased, title is transferred or is no longer owner-occupied, the loan must be re-paid. A single family loan accrues at 5% interest (which is forgiven after 10 years of occupancy) and the mobilehome loans are at 0 interest.
To be placed on a waiting list, either complete the inquiry card and send it to the Housing Department at 600 Eucalyptus Avenue, Vista, CA 92084 or call (760) 639-6191.
Click the following for more detailed information:
 View the Rehab Program Brochure in English or Spanish
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Housing Discrimination/Fair Housing
State and Federal Fair Housing laws prohibit discrimination in the sale or rental of housing based on race, color, religion, national origin, familial status (children under the age of 18), disability, sexual preference, source of income, or any arbitrary status.
North County Lifeline is a non-profit organization funded by the City of Vista to advise you of landlord/tenant rights and responsibilities, including repair issues, and to mediate with your landlord on your behalf.
If you feel you have been discriminated against, please contact Lifeline at (760) 726-4900 x321 and ask for Kelly Matthews. They can also be reached at their website, http://www.nclifeline.org/legal.htm.
Other Resources
If you have questions about Fair Housing, contact a Fair Housing organization in your area, a housing counseling agency, or the local government housing department to discuss your situation. For more information, go to the Fair Housing Resource Board (FHRB) website at http://www.fhrb.net, which will have links to other important fair housing and housing websites.
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Fair Housing Poster Contest
Every year the City of Vista, in conjunction with the Department of Housing & Urban Development (HUD), celebrates the anniversary of the Fair Housing Act. This year, 2008, is the 40th anniversary and April has again been designated as Fair Housing Month.
In addition to other activities, classes, and seminars, the City of Vista and North County Lifeline sponsor an annual Fair Housing Poster Contest to help celebrate the Fair Housing Act. The contest was open to all Vista youth, Kindergarten through 8th grade, and the theme was "What Fair Housing Means To You." The winning entries were presented to the Vista City Council at their meeting on April 22, 2008 at 5:30 PM. Every winner received an award certificate, an art supply basket, and gift certificates to the Pepper Tree Frosty.
The winning 2008 Fair Housing Posters and the artists' names can be seen by clicking here.
Stay tuned for an opportunity for your child/grandchild to enter next year's contest.
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Homeless Prevention Programs
Two programs are offered to help prevent homelessness in Vista: Emergency Rental Assistance Program and Security Deposit Assistance Program. North County Lifeline administers both programs, and can be contacted at
(760) 726-4900 or 200 Michigan Avenue, Vista CA 92084. |
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