Queu the violins and cry me a river. It’s called saving for a 20% down payment. Buying a home in San Diego is achievable for anyone who sets their mind to. Even low income families can buy via affordable housing programs. The City of El Cajon has one of the best. How about 40% of the purchase price in forgivable loans up to $424,000? Do you homework, dig a little deeper and quitcherbitchen. Porkman