How much down payment do I need in San Diego?

By Stone Real Estate Group · September 23, 2026

It depends on your loan. Conventional loans can go as low as three percent down, FHA starts at three and a half, and VA loans for eligible military buyers can be zero down — a big deal in San Diego. Twenty percent avoids mortgage insurance, but plenty buy with less. Stone Real Estate Group has walked buyers through every loan type since 1987. Call 858-481-7653.

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