California offers 259 down payment assistance programs to help homebuyers cover their down payment and closing costs. This includes 31 grant programs that never require repayment. Programs range from statewide options administered by the state housing finance agency to local city and county programs targeting specific communities.
Maximum assistance available reaches $500,000 through the most generous program. Credit score requirements start as low as 600 for some programs. Most programs require the home to be your primary residence, and many require homebuyer education.
Browse by County
California has detailed county-level program pages with AMI income limits, program stacking guides, and city-specific programs.
Browse All 58 California Counties →Top Down Payment Assistance Programs in California
Highlighted programs that combine high assistance amounts with statewide or major-metro availability. See the full list below.
Downpayment Assistance Loan Program (DALP) - General 120% AMI
closedMayor's Office of Housing and Community Development
UP TO $500,000
Downpayment Assistance Loan Program (DALP) - General 200% AMI
closedMayor's Office of Housing and Community Development
UP TO $500,000
Educators Downpayment Assistance Loan Program (Educators-DALP)
openMayor's Office of Housing and Community Development
UP TO $500,000
First Responders Downpayment Assistance Loan Program (FRDALP)
closedMayor's Office of Housing and Community Development
UP TO $500,000
City Second Loan Program (CSLP)
verifySan Francisco Mayor's Office of Housing and Community Development
$500,000
Grant Programs (31)
Grants are the gold standard of down payment assistance. You receive the money and never have to pay it back.
Placer County First-Time Homebuyer Assistance
Placer County
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 150% AMI
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA, USDA
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Household income up to 150% AMI (approximately $181,000 for family of 4)
Check AMI limits for your county →Repayment Terms
Grant program. specific repayment terms vary by funding cycle.
Additional Requirements
Must be first-time homebuyer. Must purchase in Placer County. Eligibility expanded to 150% AMI to encourage homeownership.
Notes
Not accepting new applications since June 2025 due to high volume. Interest form available for future opportunities. Multiple funding sources: HOME (80% AMI), CDBG (80% AMI), PLHA (150% AMI). Unincorporated Placer County only. Must have 1% of purchase price available. Contact: fthb@placer.ca.gov
VCCDC Middle-Income Down Payment Assistance
Ventura County Community Development Corporation (VCCDC) / FHLB SF
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80-140% AMI
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Grant. forgivable. Specific forgiveness timeline varies.
Additional Requirements
Must be first-time homebuyer. Must contribute minimum $10,000 toward down payment. Funded by Federal Home Loan Bank of San Francisco. Funds may be used for down payment and closing costs.
Notes
Targets the 'missing middle'. families earning 80-140% AMI who don't qualify for low-income programs but still can't afford full down payment. Up to $50,000 in grant assistance. Can be combined with CalHome and other DPA programs.
Middle-Income Downpayment Assistance (MDPA)
FHLBank San Francisco
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family homes, condominium, cooperative housing, manufactured homes, housi...
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Between 80.01% and 140% of HUD defined AMI based on purchase property address and adjusted for household size
Check AMI limits for your county →Additional Requirements
Must contribute a minimum of $10,000 toward downpayment, must purchase as primary residence, must open escrow with closing scheduled within 30 days prior to Bank member requesting program funds
Notes
$11 million available in grant funding for 2026, disbursed on reimbursement basis to Bank members on first-come, first-served basis, can be used for downpayment and closing costs, can complement other homeownership programs
Middle Income Downpayment Assistance Program
Sierra Central Credit Union
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family homes, condominium, cooperative housing, manufactured homes, housi...
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Between 80.01% and 140% of the HUD defined AMI based on purchase property address and adjusted for household size
Check AMI limits for your county →Additional Requirements
Must contribute a minimum of $10,000 toward down payment (which may come from savings or gifted funds); must open escrow on a home purchase transaction with closing scheduled within 30 days prior to the Bank member requesting program funds; funds provided through a participating FHLBank San Francisco member
Notes
Grant can be used for down payment and closing costs; property must be purchased as primary residence
Middle Income Grant
NeighborWorks Sacramento Region
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
USDA 504 Direct Grant
NeighborWorks Sacramento Region
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- Not specified
Quick Facts
- Loan Types
- USDA-RD
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Not specified
San Diego Black Homebuyers Program
Local Initiatives Support Corporation
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
LA County Greenline Home Program
LA County Department of Consumer and Business Affairs
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Low-to-moderate income. Priority given to residents in high-need census tracts.
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Grant. must occupy home for 3 years after closing. If sold or vacated before 3 years, grant must be repaid.
Additional Requirements
Must be first-time homebuyer. 3% of buyer's own funds required. Must complete 8-hour HUD-approved homebuyer education. Must occupy as primary residence for 3 years. Priority for 'high-highest need' and 'high-need' census tracts.
Notes
Covers areas of LA County not eligible for LIPA (City of LA program). Can potentially be stacked with LA County HOP. Separate from LIPA which is City of LA only.
Workforce Initiative Subsidy for Homeownership (WISH)
Federal Home Loan Bank of San Francisco
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA, USDA
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Household income at or below 80% of Area Median Income (AMI)
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Fully forgiven after 5 years (20% per year). If home is sold before 5 years, remaining balance must be repaid.
Additional Requirements
Must work with a participating FHLB SF member financial institution (bank or credit union). 4-to-1 matching grant. borrower contributes and FHLB matches 4x. Must occupy as primary residence.
Notes
2025 program allocation of $12 million has been fully committed. Check with FHLB SF member financial institutions for future funding cycles.
WISH (Workforce Initiative Subsidy for Homeownership)
San Pablo Economic Development Corporation (EDC)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
Workforce Initiative Subsidy for Homeownership (WISH) Program
Affordable Housing Clearinghouse
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
NeighborhoodLIFT
Wells Fargo and NeighborWorks America
Eligibility Snapshot
- First-Time Buyer
- Not specified
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Repayment Terms
grant - no repayment required
Additional Requirements
Must complete approved homebuyer education
Notes
Funded by Wells Fargo/NeighborWorks. 5-year forgivable loan, forgiven at 20%/year. Periodic application windows. check communityhdc.org. Requires 8-hour HUD homebuyer education before applying. Must use participating lender.
NeighborhoodLIFT Bay Area
Wells Fargo / NeighborWorks America (administered by CHDC)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- 80% AMI
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Forgivable grant. forgiven after period of occupancy.
Additional Requirements
Must complete homebuyer education. Not limited to first-time buyers. Distributed through weekly lottery-based fund distribution via CHDC.
Notes
Funded by Wells Fargo/NeighborWorks. 5-year forgivable loan, forgiven at 20%/year. Periodic application windows. check communityhdc.org. Requires 8-hour HUD homebuyer education before applying. Must use participating lender.
OpenHome. Beyond Housing Foundation DPA
Beyond Housing Foundation / Fresno Housing / U.S. Bank
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80-120% AMI
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Up to 80% AMI for Tier 1 ($25K grant); 80-120% AMI for Tier 2 ($20K grant). Property must be in majority minority-owned census tract.
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Grant. no repayment required.
Additional Requirements
Must be first-time homebuyer. Must complete 8-hour homebuyer education. Property may also qualify if located in majority minority-owned census tract.
Notes
True grant, no repayment. Tiered: $25K for ≤80% AMI, $20K for 80-120% AMI. Property must be in census tract where 50%+ homeowners are racial/ethnic minorities. First-come, first-served. Lender submits request to info@beyondhousingfresno.org.
Long Beach First-Time Homebuyer Assistance Program
City of Long Beach / FORWARD
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 200% AMI
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Household income cannot exceed 200% of LA County Area Median Income
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Grant. no repayment required. This is a true grant, not a loan or mortgage.
Additional Requirements
Must be first-time AND first-generation homebuyer. First-generation means parents/guardians never owned a home during buyer's lifetime, or lost home to foreclosure/short sale. Foster care alumni also qualify. Must be Long Beach resident. Must have mortgage pre-approval. Approximately 100 households assisted per cycle. First-come, first-served.
Notes
Expanded citywide in 2025. previously limited to certain census tracts. Grant increased from $20,000 to $25,000. Can be used for down payment, closing costs, and lowering mortgage interest rates. Contact FORWARD at 855-582-3973. Applications close July 1, 2025 for current cycle.
Redwood Credit Union Community Fund DPA
Redwood Credit Union Community Fund
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Forgivable grant. no repayment required if homeowner maintains occupancy.
Additional Requirements
Must be first-time homebuyer. Up to 5% of home price or $25,000, whichever is less. Must use Redwood Credit Union mortgage. Property must be in one of the 5 covered North Bay counties.
Notes
Launched March 2025. Has distributed $292,000 and helped 13 families as of early 2026. Covers 5 North Bay counties. Napa, Marin, Mendocino, Solano, Sonoma. True forgivable grant. Contact RCU for current availability.
Workforce Initiative Subsidy for Homeownership (WISH)
Federal Home Loan Bank (administered through partner banks with CHDC)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Repayment Terms
5-year retention period
Additional Requirements
4:1 match on homebuyer contribution, 5-year retention period
Notes
Provides matching grants to qualified first-time homebuyers, CHDC works with partner banks to assist with applications
WISH Program Down Payment Matching Grant
Tuolumne County Community Development
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- No
CLTRE Keeper Homeownership Program
CLTRE / City of Sacramento / Sacramento Region Community Foundation
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Forgivable after 7 years of owner-occupancy.
Additional Requirements
Must purchase in eligible Sacramento zip codes (95817, 95820, 95824, 95828). 8-week program with financial coaching. 25 participants per cohort.
Notes
Applications currently closed. This is primarily a homeownership education/readiness program with 3 tracks: 8-week homebuying course, personalized coaching, and community workshops. Prepares buyers to access DPA programs.
Down Payment Assistance
Confederated Tribes of Grand Ronde - Housing
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
Bank of America Down Payment Grant + America's Home Grant
Bank of America
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Income limits vary by market area
- Min Credit Score
- 620+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- Conventional
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Non-repayable grants. Down Payment Grant up to 3% of purchase price (max $10,000). America's Home Grant up to $7,500 lender credit for closing costs.
Additional Requirements
Must fund first mortgage through Bank of America. Must complete homebuyer certification course. Available in select markets based on census tract eligibility.
Notes
Combined $17,500 in grant assistance: $10,000 Down Payment Grant + $7,500 closing cost credit. Not limited to first-time buyers.
SCCR Foundation Down Payment Assistance Fund
Santa Clara County REALTORS Foundation
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Low-to-moderate income per HUD limits for Santa Clara County
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Grant. no repayment required.
Additional Requirements
Must be first-time homebuyer. Must purchase in Santa Clara County. Administered by SCCR Foundation. Can be combined with Empower Homebuyers SCC.
Notes
Funded by Santa Clara County Association of REALTORS. True grant. no repayment. Can stack on top of Empower Homebuyers SCC and City of San Jose programs for maximum assistance in Silicon Valley.
RCF Connects Down Payment Assistance Program
RCF Connects
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Not specified
Notes
Funded by $1 million contribution from U.S. Bank. Can be used for down payments or closing costs. Program aims to support up to 100 families. Contact SparkPoint Contra Costa at sparkpoint@richmondcf.org or (510) 779-3200 for eligibility requirements and application information.
Pathway to Home Closing Cost Assistance Grant
California Association of REALTORS Housing Affordability Fund (C.A.R. HAF)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhome, 2-4 unit
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
N/A (grant)
Repayment Terms
No repayment required (true grant)
Additional Requirements
Must be from an underserved community (people of color, persons with disabilities, or LGBTQ+). Must use a C.A.R. member agent. Max $20,000 savings after purchase (excludes retirement). Occupy as principal residence within 60 days for min 3 years.
Notes
Administered by NPHS. All 2025 funds allocated. Replenishes periodically. Since 2022, over $2M to 156+ families. Contact: NPHS (909) 988-5979 or C.A.R. (213) 739-8352.
Pathway to Homeownership Closing Costs Assistance Grant Program
Neighborhood Partnership Housing Services, Inc.
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, 3 units, 4 units, Condominium, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
Delta Housing Affordability Fund
San Joaquin Community Foundation
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 120% AMI
- Min Credit Score
- 640+
- Property Types
- Single-Family Residences, Manufactured homes on permanent foundation sold with r...
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, VA, Conventional
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Household income must be 120% or less of Area Median Income (AMI). Current 2023 AMI for eligible counties are as follows: Contra Costa $147,900; San Joaquin $100,300
Check AMI limits for your county →Repayment Terms
No repayment if all program requirements have been met and all applicants sign and adhere to Delta HAF Statement of Compliance
Additional Requirements
Cannot have more than $20,000 in savings after property purchase; Cannot put down more than 5% of purchase price; Must purchase from active California Association Realtor; Must occupy home within 60 days of escrow for minimum of 1 year; Must use preferred lender
Notes
Partnership with Delta Association of REALTORS and California Association of Realtors Housing Affordability Fund (HAF). Funds available on first-come, first-serve basis with fully accepted purchase contract. Restrictions apply to realtors, directors, officers and employees of CAR, NPHS and their families.
Closing Cost / Community Heroes Program
Southern California Association of Realtors Housing Fund
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- No
Closing Cost Grant
Southern California Association of Realtors Housing Fund
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- No
WISH (Workforce Initiative Subsidy for Homeownership)
IDEA/WISH Program
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Not specified
Repayment Terms
grant - no repayment required
Notes
Matching grant program - $4 for every $1 homebuyer contributes toward purchase
CalHFA Forgivable Equity Builder Loan (FEBL)
CalHFA
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 660+
- Property Types
- single-family, condo, manufactured home, PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- CalHFA Conventional
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Household income at or below 80% of Area Median Income (AMI)
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Fully forgiven after 5 years of owner-occupancy. Pro-rated forgiveness if sold before 5 years.
Additional Requirements
Must be paired with CalHFA first mortgage. Must be first-time homebuyer. Must occupy as primary residence. Must complete homebuyer education through eligible counseling organization.
Notes
All funds fully reserved as of 11/30/2022. No indication of future funding availability.
Greenline Housing Foundation Down Payment Grant
Greenline Housing Foundation
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium, 2 units, 3 units
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +5
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Not specified
Forgivable Loans (7)
Forgivable loans are forgiven after a set period of living in the home. If you stay, you keep the money.
ReCoverCA Homebuyer Assistance Program
Golden State Finance Authority
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Not specified
Additional Requirements
applicants must have had their primary residence in a designated Qualifying Disaster Area (for example, Tulare County) at the time of the flood. During the first 60 days of the application period (November 10, 2025 - January 12, 2026), priority will be given to households that can demonstrate they were directly impacted by a flood event
Notes
Program is administered by GSFA and funded by HUD through the California Department of Housing and Community Development. Helps eligible households purchase homes in lower-risk areas specifically outside designated special flood hazard zones and high fire-risk areas.
Lancaster First-Time Home Buyer Program (FTHBP)
City of Lancaster Housing Division
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- $570,000
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Household income at or below 80% AMI for LA County (approx $100,900 for family of 4)
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
No-interest forgivable loan secured by lien for 15 years. After year 6, 10% of loan forgiven per year of owner-occupancy. Fully forgiven after 15 years. If sold before forgiveness, remaining balance plus shared appreciation due.
Additional Requirements
Must contribute min 3% of purchase price toward down payment. Structured as a second mortgage with deferred payments. Must be first-time homebuyer (no ownership in 3 years). Home must be in Lancaster city limits.
Notes
One of the most generous city DPA programs in California. up to $150,000 forgivable after 15 years. Antelope Valley / northern LA County. Companion to Palmdale's program. City also provides up to 50% of required down payment. Contact: www.cityoflancasterca.gov/fthbp
Oxnard Homebuyer Assistance Program
City of Oxnard (administered by VCCDC)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome, manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Household income at or below 80% AMI for Ventura County
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Forgivable grant. forgiven after 10 years of owner-occupancy.
Additional Requirements
Must be first-time homebuyer. Must be Oxnard resident. Can be combined with VCCDC's other programs. Funded by HOME, CDBG, and CalHome.
Notes
Forgivable after 10 years. one of the better structures among city programs. Can stack with CalHome deferred loans and Middle-Income DPA. Administered by VCCDC.
North Fork Rancheria Down Payment Assistance
North Fork Rancheria Indian Housing Authority (NFRIHA)
Eligibility Snapshot
- First-Time Buyer
- Not specified
- Income Limit
- Low income
- Min Credit Score
- Not specified
- Property Types
- Properties that meet HUD/FHA Minimum Property Standards
- Max Price
- Not specified
Quick Facts
- Loan Types
- Mortgage loans from eligible lenders
- Assistance Type
- forgivable loan
- Profession
- Tribal citizens of the North Fork Rancheria of Mon...
- Homebuyer Ed.
- Yes
Income Limits
Low-income households (up to 80% of HUD median income) and non-low-income households (80-100% of HUD median income) with demonstrated need
Check AMI limits for your county →Repayment Terms
Secured by second deed of trust and forgiven after 10 years of ownership
Additional Requirements
Must be tribal citizen of North Fork Rancheria of Mono Indians and head of household or spouse; must be at least 18 years of age; must be able to obtain mortgage loan with eligible lender; must contact NFRIHA prior to submitting purchase agreement
Notes
Funding awarded on first come first serve basis; properties must be free of defective conditions; applicants must apply with NFRIHA to determine eligibility before entering escrow
SF Teacher Next Door (TND)
SF MOHCD
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhome, loft, live-work unit
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- forgivable loan
- Profession
- SFUSD educators only (teachers, paras, counselors,...
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Forgivable. No default years 1-5: forgiven 20%/yr from year 6, fully forgiven after 10 years. Default in years 1-5: full repayment. Due on sale, rental, title transfer, or leaving SFUSD.
Additional Requirements
Must be SFUSD employee for entire 10-year term. Min 1% borrower contribution. No SF ownership in last 3 years. MOHCD-approved lender required. One TND per household. $20K for BMR units. No rental allowed.
Notes
Distinct from Educators-DALP ($500K shared appreciation). Can layer with DALP/City Second. Funding balances: sfmohcd.org/loan-program-funding-balances.
Chenoa Fund DPA
CBC Mortgage Agency (CBCMA)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- No income limit
- Min Credit Score
- 600+
- Property Types
- single-family, condo, townhome, manufactured, 2-4 unit
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
Rate Advantage: 0% (forgivable); Edge: borrower-paid rate (repayable)
Repayment Terms
Two options: (1) Rate Advantage. soft second, 0% interest, forgiven after 36 consecutive on-time first mortgage payments; (2) Edge. 10-year repayable second mortgage at borrower-paid rate. Both provide 3.5% of base FHA first mortgage loan amount.
Additional Requirements
Must use approved correspondent lender. Must complete HUD-approved homebuyer education. Property must be primary residence.
Notes
Federally chartered governmental entity. Always funded. does not run out. Two DPA options: Rate Advantage (forgivable after 36 payments, min 620 FICO) and Edge (repayable 10-year term, min 600 FICO). FHA loans only. Available to repeat buyers. No income limits.
RCHDC Self-Help Housing Program
Rural Community Housing Development Corporation (RCHDC)
Eligibility Snapshot
- First-Time Buyer
- Not specified
- Income Limit
- Must not exceed 80% of median income gui...
- Min Credit Score
- Not specified
- Property Types
- owner-built homes
- Max Price
- Not specified
Quick Facts
- Loan Types
- USDA
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Must not exceed 80% of median income guidelines for the county
Check AMI limits for your county →Interest Rate
USDA current rate with potential subsidies
Repayment Terms
33 or 38 year loans
Additional Requirements
Must work with approved group of households (usually 5+ households with 2 builders each), complete approximately 2,400 hours of labor per household, must have at least 2 years of stable income, must be able to qualify for mortgage payments including taxes and insurance
Notes
NO down payment required. Pay out of pocket for credit report, homebuyer education course, some tools, construction insurance before construction begins, property taxes during construction, and closing costs. Construction takes 12-15 months. Includes deferred loans and forgivable loans in financing package. Interest cost may be reduced depending on family size and income.
Deferred Payment Loans (156)
Deferred loans require no monthly payments while you live in the home. You repay when you sell, refinance, or move out.
City Second Loan Program (CSLP)
City and County of San Francisco
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or title transfer
Oakland CalHome Program
City of Oakland
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome, live-work
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
3% simple interest
Repayment Terms
30-year deferred. No monthly payments. Due on sale, transfer, refinance, or conversion to rental.
Additional Requirements
Must be first-time homebuyer. Property must be in Oakland city limits. Must complete homebuyer education. Primary residence requirement.
Notes
Out of funds as of August 2024. No longer taking loan reservations. Max purchase price $1,375,000. Must be Oakland resident, worker, or student. Must contribute 3% from own funds.
Santa Barbara County Workforce Homebuyer Program
Housing Trust Fund of Santa Barbara County
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80-230% AMI
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Low-income homebuyers at or below 80% AMI. New 2026 fund for 80%-230% AMI.
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
30-year deferred down payment loan. No monthly payments. Repaid upon sale, transfer, refinance, or when no longer primary residence.
Additional Requirements
Must be first-time homebuyer (no ownership in past 3 years). Must be employed in Santa Barbara County. North County program focuses on Santa Maria, Lompoc, Guadalupe areas. South County program available separately.
Notes
$5.3 million in new funding secured in January 2026. $4.8M CalHome + $1.5M workforce funds. North County up to $200,000 (80% AMI). South County up to $125,000 (10-year interest-only). New 2026 fund for higher income households (80%-230% AMI). Contact: Yvette Lounsbury at (805) 845-3585.
First Home Emeryville Down Payment Program
City of Emeryville (Hello Housing)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhome, co-op
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
75% of first mortgage rate or 5%, whichever is less
Repayment Terms
Deferred, no monthly payments. Due on sale, transfer, ceasing primary residence, or 30 years. Max 150% of buyer down payment or 20% of price.
Additional Requirements
No homeownership in last 3 years. City/Emery USD employees may be exempt from income cap. Min 3% own funds. 8-hour HUD education within 6 months. Property in Emeryville only. Lottery-based.
Notes
Hello Housing: (415) 863-3036, emeryville@hellohousing.org. Last app window closed Oct 2024. No 2025/2026 round announced. City is 1.2 sq mi.
LA County CalHome Wildfire Survivor Homebuyer Assistance
Los Angeles County Development Authority (LACDA)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Repayment Terms
Up to $200,000 or 40% of purchase price, whichever is lower
Additional Requirements
Must be household impacted by January 2025 LA County wildfires. Disaster provisions expand eligibility to moderate-income up to 150% AMI. Not limited to first-time buyers.
Notes
Approved by LA County Board March 17, 2026. ~$5M state CalHome funds. Separate from HOP80/HOP120. Contact: HOP@lacda.org, (626) 586-1853.
First Home Emeryville Down Payment Assistance Program
City of Emeryville & Hello Housing
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
3% Fixed Simple Interest Rate
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Homebuyer Assistance Program
City of Lompoc
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Not specified
San Mateo County HEART First-Time Homebuyer Program
HEART of San Mateo County / Meriwest Mortgage
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Single person: up to $180,000. Household...
- Min Credit Score
- 680+
- Property Types
- single-family, condo
- Max Price
- $1,213,500
Quick Facts
- Loan Types
- Conventional
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Single person: up to $180,000. Household of 2+: up to $220,000.
Check AMI limits for your county →Interest Rate
below market rate
Repayment Terms
15-year below market rate second lien loan. Payments may be required. Repaid at end of term or upon sale/refinance.
Additional Requirements
Must not have owned a home in past 36 months (or selling current home and buying closer to transit). Must make 5% down payment from own funds. Must use Meriwest Mortgage as lender. Property must be in San Mateo County.
Notes
As of January 28, 2026, HEART has restructured the First Time Homebuyer Program to be information only. the HEART loan is no longer offered.
HEART's First Time Homebuyer Program
Heart of San Mateo County
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $1,213,500
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- No
Low Income Purchase Assistance (LIPA)
City of Los Angeles Housing Department (LAHD)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 660+
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Household income at or below 80% of Area Median Income. 2025 limits: 1 person $84,850; 2 persons $96,950; 3 persons $109,050; 4 persons $121,150
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Deferred payment loan. 0% interest. Includes shared appreciation component. ratio of City loan amount to home purchase price. Due upon sale, transfer, or refinance.
Additional Requirements
Must attend 8-hour Homebuyer Education Class. Must receive housing counseling from LAHD-approved provider. Minimum 1% of home price as down payment. Must use LAHD Participating Lender. U.S. Citizens, lawful permanent residents, or qualified aliens. Limited loan reservation slots released per round.
Notes
Funding is limited and distributed through reservation system. 2025 grant of $200,000 from First Citizens Bank assists ~14 households. Combined with LIPA Program funds for up to $161,000 per household. Updated from LAHD research.
First Time Home Buyer Down Payment Assistance Program
City of Napa
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Condominium, Single-Family, Manufactured
- Max Price
- $795,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
1% interest
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Truckee Home Access Program (THAP)
Town of Truckee
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $937,500
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- No
Proximity Housing Homebuyer's Assistance Program
Napa County
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $894,642
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Repayment Terms
Deferred Payment - Repayable at sale or refinance
South Coast Program
City of Carpinteria
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Not specified
My First Home Program
City of Santa Ana
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 640+
- Property Types
- residential home
- Max Price
- Not specified
Quick Facts
- Loan Types
- fixed-rate mortgage
- Assistance Type
- deferred loan
- Profession
- all with preference for Veterans
- Homebuyer Ed.
- Yes
Income Limits
Currently accepting applications for households at or below 80% AMI: 1 person $94,750, 2 persons $108,300, 3 persons $121,850, 4 persons $135,350, 5 persons $146,200, 6 persons $157,050, 7 persons $167,850, 8 persons $178,700 (as of April 2025)
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Deferred loan with 30 or 45-year term depending on funding source, no prepayment penalty
Additional Requirements
Owner-occupancy throughout life of loan; no ownership interest in principal residence during 3-year period preceding application; debt-to-income ratio requirements (monthly housing costs 28-40%, total monthly debt max 45%); positive credit history; no co-signers allowed; no bankruptcies or foreclosures in past 7 years; minimum 3% of purchase price in seasoned funds (saved for 90+ days); gift funds may contribute but cannot exceed 3% of purchase price and cannot be used for seasoned funds requirement; applicants with access to 20% or more of purchase price may be denied
Notes
Funded by local, State, and Federal funding including Inclusionary Housing, CalHome, and Community Development Block Grant (CDBG) funds. Applications evaluated on first come, first served basis with preference for Veterans or applicants who live or work in Santa Ana. Requires completion of 8-hour first-time homebuyer course from HUD-approved counseling agency.
Ontario Keys to Community. First-Time Homebuyer Program
City of Ontario
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Must be below HUD income limits for Onta...
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
No monthly payments for 30 years. Includes equity share provision. Loan forgiveness available over the 30-year lifespan if owner-occupancy maintained.
Additional Requirements
Must be first-time homebuyer (no ownership in past 3 years). Must complete 8-hour HUD homebuyer education. Must use City of Ontario participating lender. Priority to current Ontario residents or employees.
Notes
Can stack with Housing Rehabilitation Loan ($30,000) and Exterior Beautification Grant ($10,000) for up to $160,000 total. One of the most generous city-level DPA programs in Southern California. Contact: KeysToCommunity@OntarioCA.gov
San Jose First-Time Homebuyer Program
City of San Jose Housing Department
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80-120% AMI
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Household income at or below 80% AMI for Santa Clara County. Moderate-income program available for 80-120% AMI.
Check AMI limits for your county →Interest Rate
3%
Repayment Terms
Deferred payment second mortgage at 3% simple interest. No monthly payments. Repaid upon sale, transfer, refinance, or when no longer primary residence.
Additional Requirements
Must be first-time homebuyer. Must purchase in San Jose. Must complete HUD homebuyer education. Can be stacked with Empower Homebuyers SCC (county-level) for maximum assistance.
Notes
San Jose is the largest city in the Bay Area and 3rd largest in California (pop ~1M). This city-level program is SEPARATE from the county-level Empower Homebuyers SCC program. buyers may be eligible for both. Contact Housing Department at (408) 535-3860.
First-Time Homebuyer Program
City of Chula Vista - Housing Division
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $855,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
3%
Repayment Terms
Deferred Payment - Repayable at sale or refinance
First Time Home Buyer Program (FTHB)
Huntington Park
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $570,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA +3
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- No
Repayment Terms
Deferred Payment - Repayable at sale or refinance
First Time Homebuyer program
Tuolumne County Community Development
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD
- Max Price
- $321,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
3% Fixed Simple Interest Rate
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Moderate Income Purchase Assistance (MIPA)
City of Los Angeles Housing Department (LAHD)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 81-150% AMI
- Min Credit Score
- 660+
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Household income between 81-150% of Area Median Income
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Deferred payment loan. 0% interest. Includes shared appreciation component. Due upon sale, transfer, or refinance.
Additional Requirements
Must attend 8-hour Homebuyer Education Class. Must receive housing counseling from LAHD-approved provider. Minimum 1% of home price as down payment. Must use LAHD Participating Lender. U.S. Citizens, lawful permanent residents, or qualified aliens.
Notes
Funding limited. 2026 loan reservation schedule: Jan 14, 2026 (23 slots) and June 10, 2026 (23 slots). Total funds available $618,000. Updated from LAHD research.
Shasta County Down Payment Assistance Program
Shasta County Housing and Community Action Programs
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Gross household income limits by househo...
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- $276,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Gross household income limits by household size: 1 person - $39,800 annual/$3,317 monthly; 2 person - $45,450 annual/$3,788 monthly; 3 person - $51,150 annual/$4,263 monthly; 4 person - $56,800 annual/$4,733 monthly; 5 person - $61,350 annual/$5,113 monthly; 6 person - $65,900 annual/$5,492 monthly; 7 person - $70,450 annual/$5,870 monthly; 8 person - $75,000 annual/$6,250 monthly
Check AMI limits for your county →Interest Rate
0%
Additional Requirements
Borrower must contribute at least 3% of the purchase price to the sale transaction (may be a gift). First-time home buyer defined as someone who has not owned a home in the last 3 years, or who qualifies as a 'displaced home-maker'. Must obtain pre-qualification letter from mortgage lender before applying.
Notes
Program provides 0% interest loans to qualified low-income, first-time home buyers to help with down payment and closing costs. Application process requires placing name on waiting list and completing application with requested documentation.
CalHome
State Department of Housing and Community Development (HCD)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% of county median income for househol...
- Min Credit Score
- Not specified
- Property Types
- single-family, condo
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Not specified
Interest Rate
3%
Repayment Terms
30-year deferred-payment second mortgage
Additional Requirements
Monthly housing costs must be 30-40% of gross income (up to 45% with compensating factors), total debt ratio cannot exceed 45%, maximum 99% LTV plus up to 5% closing costs, minimum 1% borrower funds, no past due accounts or unpaid judgments, no recent bankruptcies, impound accounts required for entire 30-year term
Notes
Administered by CHDC, funds provided as second mortgages with specific underwriting requirements, fixed interest rates required on first mortgage, no discount points allowed
Habitat LA Downpayment Assistance Program
Habitat for Humanity of Greater Los Angeles
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 650+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Not specified
Income Limits
Low-income (income not to exceed 80% of the area median income)
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
payable at 30 years funded by CalHome
Additional Requirements
All people on the loan must also be included in the title; Applicant must be a US Citizen or Legal permanent residency; First-time homebuyer defined as have not owned a home in the last 3 years; Credit score minimum 650 with exceptions for lower score
Notes
Program is temporarily out of funds. Contact downpayments@habitatla.org for application or call 310-323-4663 xt. 316. Can help households save on interest during the lifetime of the loan.
HOME First Time Home Buyer Program
Riverside County Housing & Workforce Solutions (HWS)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhome, manufactured
- Max Price
- New/Existing Single-Family: $564,205, New/Existing Condo/Townhouse: $513,000, Manufactured Home: $361,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Household income at or below 80% AMI. 2025 limits: 1 person $71,600; 2 persons $81,800; 3 persons $92,050; 4 persons $89,500
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Deferred payment loan. Converts to grant after 15 years of continuous owner-occupancy.
Additional Requirements
Applications accepted year-round but only reviewed during January and February. Must be in unincorporated Riverside County or one of 14 cooperating cities (Banning, Beaumont, Blythe, Cathedral City, Canyon Lake, Desert Hot Springs, Indio, Lake Elsinore, La Quinta, Murrieta, Norco, Perris, San Jacinto, Temecula).
Notes
Out of funds per user verification. Program is funded on fiscal year basis (July 1 - June 30). Updated from rivcohws.org research.
NPHS Down Payment Assistance Programs
NPHS Inc
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Income restrictions may apply
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Additional Requirements
Must complete contact form to determine eligibility
Notes
NPHS offers a variety of mortgage assistance programs. Contact (909) 204-7447 for more information. Free homebuyer education workshops are available.
Sonoma County HAC First-Time Home Buyer Loan
Sonoma County / SEIU Local 1021 Housing Assistance Committee
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Must be Sonoma County employee (SEIU-rep...
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- Sonoma County employees (SEIU Local 1021)
- Homebuyer Ed.
- Yes
Interest Rate
3% per annum
Repayment Terms
Fully amortized 30-year loan with payments via payroll deductions. Due on sale, transfer, or conversion to rental.
Additional Requirements
Must be Sonoma County SEIU-represented employee. Must contribute minimum 5% of purchase price from personal resources. Property must be in Sonoma County.
Notes
CRITICAL: This is an employee-only program for Sonoma County employees in SEIU Local 1021 represented positions. Must have 2,088 hours of contribution to Housing Fund. Must contribute 5% from personal resources. Cannot have more than $50,000 in personal property.
Antioch Home Ownership Program (AHOP)
City of Antioch / Bay Area Affordable Homeownership Alliance (BAAHA)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low income
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Low income: up to $125,000 for 4-person household. Moderate income: up to $191,750 for 4-person household.
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
No-interest, no-payment loan for 15 years. After 15 years, principal balance plus shared appreciation must be repaid. Also due upon sale, transfer, or cash-out refinance.
Additional Requirements
Must be first-time homebuyer. Must complete 6-hour HUD homebuyer education. City provides up to $60,000 subsidy + up to $40,000 from partnering organizations (BAAHA). Can combine with WISH ($22,000) and CC County MCC.
Notes
One of the largest city DPA programs in the East Bay. up to $100,000. Partnership with BAAHA nonprofit. Can be stacked with WISH, MCC, and Section 8 Homeownership voucher. Contact BAAHA at www.myhomegateway.org/ahop.
Downpayment Assistance Loan Program
Burbank Housing Corporation
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $829,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
1% Fixed Simple Interest Rate
Repayment Terms
Deferred Payment - Repayable at sale or refinance
First Time Homebuyer Loan Program (FTHLP)
City of Dublin
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
3% Fixed simple interest
Repayment Terms
Deferred Payment - Repayable at sale or refinance
City of Menifee First-time Homebuyer Assistance
City of Menifee
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $551,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
First Time Home Buyer
City of Oroville
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $398,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA +3
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
3% Fixed Simple Interest Rate
Repayment Terms
Deferred Payment - Repayable at sale or refinance
First-Time Homebuyer Program
City of Patterson Community Development
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $505,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
3% Fixed Simple Interet
Repayment Terms
Deferred Payment - Repayment begins in 60 months
First-Time Homebuyer Mortgage Assistance Program (MAP)
City of Pomona
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium
- Max Price
- $646,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
First-Time Homebuyer Loan Program
El Dorado County
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- No
Interest Rate
3% Fixed Simple Interest Rate
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Home Ownership Program (HOP80)
Los Angeles County Development Authority (LACDA)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $700,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
ARPA First Time Home Buyer
Riverside Housing and Workforce Solutions
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $536,750
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
San Pablo Loan Assistance for Sustainable Housing (SPLASH)
San Pablo Economic Development Corporation (EDC)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
3% Fixed Simple Interest Rate
Repayment Terms
Deferred Payment - Repayable at sale or refinance
First Time Home Buyers Program
The City of Riverbank
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, USDA-RD +3
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
3% simple interest
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Manufactured Homes Mortgage Assistance Loan
NHSIE CityLIFT
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Home Ownership Program (HOP120)
Los Angeles County Development Authority (LACDA)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $850,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
San Joaquin County GAP Loan Program
San Joaquin County Human Services Agency
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low income
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Low-income per HUD income limits for San Joaquin County
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Deferred payment loan. No monthly payments. Repaid upon sale, transfer, refinance, or loss of primary residence.
Additional Requirements
Must be first-time homebuyer. Must purchase in unincorporated county or participating cities. Must complete homebuyer education.
Notes
Gap financing model. loan amount is 20% of sales price up to $40,000 (or up to $80,000 depending on purchase price). HOME-funded program.
Hayward First-Time Homebuyer Program
City of Hayward
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 120% AMI
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Moderate income households up to 120% AMI for Alameda County
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Deferred payment loan. No monthly payments. Repaid upon sale, transfer, refinance, or loss of primary residence.
Additional Requirements
Must be first-time homebuyer. Property must be in Hayward. Can potentially be stacked with AC Boost (county-level program up to $150,000).
Notes
Hayward is the 6th largest city in the Bay Area (pop ~163,000). City-level program separate from AC Boost (Alameda County). Buyers in Hayward can potentially access both programs. Contact Housing Division at (510) 583-4250.
Orange County Mortgage Assistance Program (MAP)
Affordable Housing Clearinghouse
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Homebuyer Empowerment Loan Program (HELP)
Housing Trust Silicon Valley
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $800,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
BEGIN Reuse Fund
Town of Truckee
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- No
Interest Rate
3% Fixed Simple Interest Rate
Repayment Terms
Deferred Payment - Repayable at sale or refinance
CalHome Reuse Fund
Town of Truckee
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- No
Interest Rate
3% Fixed Simple Interest Rate
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Santa Rosa Down Payment Assistance Loan Program
City of Santa Rosa Department of Housing and Community Services
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
3%
Repayment Terms
3% interest deferred-payment loan. No monthly payments required. Repaid upon sale, transfer, refinance, or when no longer primary residence.
Additional Requirements
Must be first-time homebuyer. Property must be within Santa Rosa city limits. Must complete homebuyer education. Primary residence requirement.
Notes
City of Santa Rosa does not currently have funds available for DPA. No waitlist or timeline for future funding. CalHome Mobilehome Rehabilitation Loan may still be available separately.
Santa Clarita First-Time Homebuyer Assistance
City of Santa Clarita
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
0% interest deferred loan. No monthly payments. Repaid upon sale, transfer, refinance, or loss of primary residence.
Additional Requirements
Must be first-time homebuyer. Property must be in Santa Clarita. Must complete homebuyer education. HOME/CDBG funded.
Notes
Third-largest city in LA County (pop ~230,000). Located in the Santa Clarita Valley north of LA. Separate from LA County HOP.
Roseville Affordable Purchase Down Payment Assistance
City of Roseville Housing Division
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low income
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Varies by unit. affordable resale homes sold below market
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Low Income: 1-2 person up to $102,900, 3+ up to $119,400. Middle Income: 1-2 person up to $128,600, 3+ up to $149,200.
Check AMI limits for your county →Interest Rate
2%
Repayment Terms
Silent second mortgage at 2% simple interest. No monthly payments. Due upon sale, change of ownership, unapproved refinance, or change of use.
Additional Requirements
Must be first-time homebuyer. Buyer must contribute minimum 1% of purchase price. Two tiers: Low Income (up to $75,000 DPA) and Middle Income (up to $50,000 DPA). New construction program has 30-year term with interest accruing first 15 years.
Notes
Roseville is the largest city in Placer County (pop ~147,000). Both Affordable Resale and Affordable New Construction programs available. Buyers can also access the Placer County FTHB program ($100K) separately. Contact City of Roseville Housing Division.
Workforce Homebuyer Down Payment Loan Program
City of Carpinteria
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 200% AMI
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
up to 200% of the Area Median Income (AMI), adjusted for household size
Check AMI limits for your county →Interest Rate
no current interest
Repayment Terms
repaid upon sale or refinancing of the home or at the end of the loan term
Notes
30-year deferred payment loans with shared appreciation structure, in collaboration with the Housing Trust Fund of Santa Barbara County (HTF). Funds can be used for down payment and closing costs.
Martis Fund Homebuyer Assistance Program
Sierra Business Council
Eligibility Snapshot
- First-Time Buyer
- Not specified
- Income Limit
- Household income may not be more than 18...
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- working families
- Homebuyer Ed.
- Yes
Income Limits
Household income may not be more than 180% of the Placer County median income; roughly $205,020 for a family of four
Check AMI limits for your county →Interest Rate
3 percent compounded annually or based on a share of the home's appreciation at the time of sale
Repayment Terms
All principal and interest payments are deferred until the time a home is sold
Additional Requirements
Income-qualified working families
Notes
Program is currently not available. Sierra Business Council is working with local mortgage brokers and realtors to relaunch the program. Loans will be made on a first-come-first-served basis.
HOME Sweet Home First-time Homebuyers Program
City of Hanford
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
2% fixed interest
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Fontana First-Time Homebuyer Assistance
City of Fontana Housing Division
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Household income at or below 80% AMI for San Bernardino County
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Deferred payment loan. No monthly payments. Repaid upon sale, transfer, refinance, or loss of primary residence. Shared appreciation may apply.
Additional Requirements
Must be first-time homebuyer. Must purchase within Fontana city limits. Must complete homebuyer education. HOME/CDBG funded. Cannot be combined with other city DPA.
Notes
Fontana is one of the largest cities in San Bernardino County (pop ~215,000). This is separate from the county-level San Bernardino County program. CalHome and HOME funded.
First-Time Homebuyer Assistance Program
City of Walnut Creek
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Pomona First-Time Homebuyer Program
City of Pomona Housing Services
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Deferred payment loan. No monthly payments. Repaid upon sale, transfer, refinance, or loss of primary residence.
Additional Requirements
Must be first-time homebuyer. Property must be in Pomona. Must complete 8-hour HUD homebuyer education. HOME/CDBG/CalHome funded.
Notes
Gateway Cities / Eastern LA County area. Separate from LA County HOP program. Contact Housing Services at (909) 620-2364.
CalHome Loan - Mortgage Assistance Program
City of Livermore
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $355,461
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
3% Fixed Simple Interest Rate
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Mortgage Assistance Program (MAP)
City of Livermore
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $595,318
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
First Time Homebuyer (FTHB) program
City of Merced
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
3% Fixed Simple Interest Rate
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Downpayment Assistance Program (DAP)
City of Watsonville - Community Dev. Depart.
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $566,689
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
1% Fixed Simple Interest Rate
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Elk Grove Homebuyer Assistance Program
City of Elk Grove
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Must meet CalHome income limits for Sacr...
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Sacramento County median home price
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Must meet CalHome income limits for Sacramento County
Check AMI limits for your county →Interest Rate
3% simple interest
Repayment Terms
Interest forgiven over years 11-20. No principal forgiveness. Deferred payment. repayable at sale or refinance.
Additional Requirements
Must be first-time homebuyer. Home must be within Elk Grove city limits. Must complete 8-hour HUD homebuyer education through NeighborWorks Sacramento. CalHome-funded.
Notes
First-come, first-served basis. Located in Sacramento metro area.
Downpayment Assistance Program (DAP)
City of San Marcos
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium
- Max Price
- $598,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA +3
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
3% Fixed Simple Interest Rate
Repayment Terms
Deferred Payment - Repayable at sale or refinance
San Bernardino County Home Ownership Assistance Program
San Bernardino County Community Development and Housing Department
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Household income at or below 80% AMI for San Bernardino County
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Deferred silent second mortgage at 10-20%. Forgiven after 20 years of owner-occupancy.
Additional Requirements
Must have lived or worked in San Bernardino County for 1 year prior. Must contribute 3% of own funds. NOT available in Chino, Fontana, Ontario, Redlands, San Bernardino, Upland, or Victorville (these cities have own programs).
Notes
The Community Development & Housing Department no longer offers down payment assistance.
NHSIE CalHome Down Payment Assistance
Neighborhood Housing Services of the Inland Empire (NHSIE)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Low income per CalHome limits (approximately 80% AMI for San Bernardino County)
Check AMI limits for your county →Interest Rate
3% simple interest
Repayment Terms
Deferred for 30 years, 3% simple interest
Additional Requirements
Must be first-time homebuyer. CalHome-funded. Must complete homebuyer education. Assistance is lesser of 10% of purchase price or $18,000.
Notes
NHSIE offers 3 DPA products: SOAR ($10K, amortized 30yr with balloon), Manufactured Homes ($95K deferred), and CalHome ($55K deferred). Contact maria.solis@nhsie.org or 909-963-5211 to confirm CalHome fund availability.
Down Payment Assistance
Yurok Indian Housing Authority (YIHA)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
Fixed
Repayment Terms
Deferred Payment - Repayable at sale or refinance
My Anaheim Home
City of Anaheim Housing & Community Development
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- Not specified
- Property Types
- single-family, townhouse, condo
- Max Price
- maximum purchase price allowed (specific amount not stated)
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
low- to moderate-income households (specific limits not detailed on page)
Check AMI limits for your county →Interest Rate
3% simple interest
Repayment Terms
30-year deferred loan with no monthly payments
Additional Requirements
Must not have owned a home in the last 3 years; must live in the home as owner-occupant; buyers must contribute at least 3% of purchase price; up to 5% of down payment can come from family gifts; priority given to people who live or work in Anaheim for the past 12 months
Notes
Total down payment assistance can cover up to 20% of the purchase price. There is an interest list portal available for applications.
Camarillo Workforce Down Payment Assistance
City of Camarillo (administered by VCCDC)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 150% AMI
- Min Credit Score
- 660+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
3% simple interest
Repayment Terms
15-year deferred. No monthly payments. Full balance due in 15 years.
Additional Requirements
Must be first-time homebuyer. Must purchase in Camarillo. Must be local working household. Can be combined with VCCDC's other DPA programs.
Notes
Must contribute minimum 3% from own funds. Property must be within Camarillo city limits. Priority given to low-income buyers and residents of certain census tracts.
Moreno Valley First-Time Homebuyer Program
City of Moreno Valley
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Household income at or below 80% AMI for Riverside County
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
0% interest deferred-payment second mortgage. No monthly payments. Repaid upon sale, transfer, refinance, or loss of primary residence.
Additional Requirements
Must be first-time homebuyer. Property must be within Moreno Valley city limits. Must complete HUD homebuyer education. CalHome/HOME funded.
Notes
Moreno Valley is the second-largest city in Riverside County (pop ~212,000). Separate from the county-level Riverside County program. Contact Community Development at (951) 413-3480.
Inglewood First-Time Homebuyer Assistance
City of Inglewood Housing Division
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
0% interest deferred loan. No monthly payments. Repaid upon sale, transfer, refinance, or loss of primary residence.
Additional Requirements
Must be first-time homebuyer. Must purchase in Inglewood. Must complete homebuyer education. HOME/CDBG funded.
Notes
Near LAX / SoFi Stadium area. Separate from LA County HOP and LIPA programs. Contact Community Development at (310) 412-5230.
Napa Valley Community Housing DPA
Napa Valley Community Housing
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Low-to-moderate income per HUD limits for Napa County
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Deferred payment loan. No monthly payments. Repaid upon sale, transfer, or refinance.
Additional Requirements
Must be first-time homebuyer. Must purchase in Napa County. Must complete homebuyer education. NeighborWorks America member organization.
Notes
Only DPA program specific to Napa County (wine country). NVCH is a NeighborWorks America chartered member. Also provides homebuyer education workshops. Contact: (707) 253-6192.
Rancho Cucamonga First-Time Homebuyer Program
City of Rancho Cucamonga Housing Division
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Low-to-moderate income per HUD limits for San Bernardino County
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
0% interest deferred-payment loan. No monthly payments. Repaid upon sale, transfer, refinance, or loss of primary residence.
Additional Requirements
Must be first-time homebuyer. Must purchase within Rancho Cucamonga city limits. Must complete homebuyer education. HOME/CalHome funded.
Notes
Inland Empire city in San Bernardino County (pop ~180,000). Separate from the county-level SB County program. Located along I-210 corridor near Ontario.
West Sacramento First-Time Homebuyer Program
City of West Sacramento Housing Division
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Low-to-moderate income per HUD limits for Yolo County
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
0% interest deferred-payment loan. No monthly payments. Repaid upon sale, transfer, refinance, or loss of primary residence.
Additional Requirements
Must be first-time homebuyer. Must purchase in West Sacramento. CalHome/HOME funded. Must complete homebuyer education.
Notes
No funds currently available as of March 2026. Contact City of West Sacramento Housing Division for updates.
First-Time Home Buyer Program
City of Oakdale
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $517,500
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
Fixed Rate
Repayment Terms
Deferred Payment - Repayable at sale or refinance
The Permanent Local Housing Allocation (PLHA) First-Time Homebuyer
City of Sacramento - SHRA
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA +2
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
1% Fixed Simple Interest Rate
Repayment Terms
Deferred Payment - Repayable at sale or refinance
First Time Homebuyer
City of Sunnyvale
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Repayment Terms
Deferred Payment - Repayable at sale or refinance
First Time Home Buyers Program (FTHB)
City of Turlock
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
3% Fixed Simple Interest Rate
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Mortgage Assistance Program (MAP)
City of Yorba Linda Community Development
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- No
Repayment Terms
Deferred Payment - Repayable at sale or refinance
USDA 504 Direct Loans
NeighborWorks Sacramento Region
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- Not specified
Quick Facts
- Loan Types
- USDA-RD
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Not specified
Interest Rate
1%
Fairfield Neighborhood Stabilization Down Payment Assistance
City of Fairfield
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Median income buyers per HUD limits for ...
- Min Credit Score
- 640+
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Median income buyers per HUD limits for Solano County
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Deferred down payment assistance loan. No monthly payments. Repaid upon sale, transfer, refinance, or loss of primary residence.
Additional Requirements
NSP-3 funded program. Provides renovated REO/foreclosed homes with DPA. Does NOT need to be first-time homebuyer. Must complete homebuyer education.
Notes
Fairfield is the county seat of Solano County (pop ~119,000). NSP-3 program provides renovated foreclosed homes plus DPA. unique model. Located between SF Bay Area and Sacramento. Contact City of Fairfield Community Development.
CalHome First-Time Homebuyer Mortgage Assistance Program
Sacramento Housing and Redevelopment Agency (SHRA)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 640+
- Property Types
- single-family
- Max Price
- $344,000
Quick Facts
- Loan Types
- FHA, Conventional, CalHFA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Low-income households with income less than or equal to 80% of area median income adjusted for household size. Current limits: 1-person $42,650, 2-person $48,750, 3-person $54,850, 4-person $60,900, 5-person $65,800, 6-person $70,650. Income from assets over $5,000 calculated at 2% of asset value.
Check AMI limits for your county →Interest Rate
3% simple interest
Repayment Terms
Principal and interest deferred for 30-year term, due upon sale or transfer of property, when property ceases to be owner-occupied, or upon loan maturity date
Additional Requirements
Monthly housing debt ratio between 28% and 38%, must qualify for first mortgage loan, must live in home being purchased, first mortgage must be 30-year fixed rate with impound account, minimum loan amount $10,000
Notes
SHRA programs have limited funding. Check shra.org/homebuyer-resources/ for current availability and weekly funding updates. As of March 2026, the PLHA and CalHome programs exist but funding status varies. Register for SHRA email list for announcements.
First Time Homebuyer (FTHB) Program
City of Concord
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 100% AMI
- Min Credit Score
- 640+
- Property Types
- single-family detached, condominium, townhouse
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Household gross income cannot exceed 100% of HUD Area Median Income for Contra Costa County. 2024 limits range from $109,000 (1 person) to $193,050 (7+ persons).
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
15-year deferred loan. Due upon sale, cash-out refinance, 15-year mark, or voluntary repayment. Includes shared appreciation component. borrower repays principal plus percentage of home appreciation based on loan-to-purchase-price ratio.
Additional Requirements
Administered by Bay Area Affordable Homeownership Alliance (BAAHA). Minimum 3% from borrower's own funds. FICO above 640. Housing ratio minimum 28%, back-end DTI max 45%. Must be within Concord City Limits. Property must be primary residence. HUD-approved homebuyer education certificate required within 12 months of purchase. Must use City-approved first mortgage lender.
Notes
Limited funding available on first-come, first-served basis; funds may deplete without notice. Contact: info@myhomegateway.com or (800) 480-9020. Updated from myhomegateway.org.
Vallejo Mortgage Assistance Program
City of Vallejo (administered by CHDC)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low income
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Low-income households per HUD limits for Solano County
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Deferred-payment loan. No monthly payments. Repaid upon sale, transfer, refinance, or when no longer primary residence.
Additional Requirements
Must be first-time homebuyer. Property must be in Vallejo. Also offers closing cost loans up to 3% of sales price for households not receiving DPA. Contact CHDC at (510) 412-9290.
Notes
Original program link (chdcnr.com) no longer works. communityhdc.org lists DPA programs but not Vallejo-specific. Program status unverified. may be discontinued.
Bakersfield Hope to Home Program
City of Bakersfield (administered by VCCDC)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Deferred-payment loan. No monthly payments. Repaid upon sale, transfer, refinance, or when no longer primary residence.
Additional Requirements
Must be first-time homebuyer. Property must be in Bakersfield city limits. Can be combined with VCCDC's other programs to maximize purchasing power.
Notes
Partnership between City of Bakersfield and VCCDC (Ventura County Community Development Corporation). Part of the Hope to Home deferred loan program network.
Inland Empire Down Payment Assistance Program (IEDPA)
NPHS Inc. (Neighborhood Partnership Housing Services) / U.S. Bank
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Income restrictions apply per HUD limits
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
0% interest loan deferred for 30 years. No monthly payments. Repaid upon sale, transfer, refinance, or loss of primary residence.
Additional Requirements
Must be first-time homebuyer. Must complete NPHS homebuyer education workshop. Property must be in eligible geographic area. Primary residence requirement.
Notes
All funds have been committed. Launched February 2025 with $1 million from U.S. Bank. Addresses affordability crisis. only 30% of IE families can now afford to buy. NPHS headquartered in Rancho Cucamonga. Contact: (909) 988-5979.
VCCDC CalHome Deferred Loan Program
Ventura County Community Development Corporation (VCCDC)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
30-year deferred loan. No monthly payments. Repaid upon sale, transfer, refinance, or loss of primary residence.
Additional Requirements
Must be first-time homebuyer. CalHome-funded. Can be combined with other VCCDC programs including WISH, Middle-Income DPA, and city-specific programs.
Notes
VCCDC administers multiple DPA programs across Ventura County and beyond, including city-specific programs for Oxnard, Bakersfield, Camarillo, and others. Main office: 2231 Sturgis Road Suite A, Oxnard, CA 93030.
Butte County CalHome Homebuyer Assistance
Butte County Department of Development Services
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome, manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA, USDA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Household income at or below 80% AMI for Butte County
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
0% interest deferred-payment loan. No monthly payments. Repaid upon sale, transfer, refinance, or loss of primary residence.
Additional Requirements
Must be first-time homebuyer. Property must be in Butte County. CalHome funded. Must complete homebuyer education.
Notes
Covers Chico, Paradise, Oroville, and surrounding areas. Butte County received significant CalHome and disaster recovery funds after the Camp Fire. Contact Development Services at (530) 538-7601.
Yolo County First-Time Homebuyer Program
Yolo County Housing Authority / Community Development
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
0% interest deferred-payment loan. No monthly payments. Repaid upon sale, transfer, refinance, or loss of primary residence.
Additional Requirements
Must be first-time homebuyer. Must purchase in Yolo County. CalHome funded. Must complete homebuyer education.
Notes
Covers Davis, Woodland, West Sacramento, Winters, and surrounding areas. Adjacent to Sacramento County. buyers should also check STAND and Sacramento programs. Contact Yolo County Housing at (530) 661-2750.
Victorville First-Time Homebuyer Program
City of Victorville Housing Division
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low income
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
0% interest deferred-payment loan. No monthly payments. Repaid upon sale, transfer, refinance, or loss of primary residence.
Additional Requirements
Must be first-time homebuyer. Must purchase in Victorville. CalHome/HOME funded. Must complete homebuyer education.
Notes
High Desert / San Bernardino County (pop ~135,000). One of the more affordable markets in SoCal. Separate from county-level SB County program.
Stanislaus County CalHome Homebuyer Program
Stanislaus County Community Development Department
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA, USDA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Household income at or below 80% AMI for Stanislaus County
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
0% interest deferred-payment loan. No monthly payments. Repaid upon sale, transfer, refinance, or loss of primary residence.
Additional Requirements
Must be first-time homebuyer. CalHome funded. Must complete homebuyer education. Covers unincorporated areas and participating cities (Turlock, Patterson, Newman, etc.).
Notes
Covers Turlock, Patterson, Newman, Oakdale, Riverbank, Waterford and unincorporated areas. City of Modesto has its own separate program ($60K). Central Valley location between Sacramento and Fresno.
Teacher Next Door (TND)
City and County of San Francisco
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or title transfer
First-Time Homebuyer Program
City of Citrus Heights Housing and Grants Division
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $534,642
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA +2
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
3% Fixed Simple Interest
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Inland Empire Down Payment Assistance program
NPHS
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Cal HOME
California (administered through Contra Costa County)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low income
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Not specified
Interest Rate
0%
Repayment Terms
silent loan secured by Deed of Trust, no monthly payments required
Notes
Silent loan with no monthly payments, secured by Deed of Trust on property
Cal Home
Community Housing Development Corporation (CHDC)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
CalHome Loan Program
La Puente
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Not specified
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
CalHome Loan Program
Montebello Housing Development Corporation (MHDC)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Not specified
BEGIN Loan - Mortgage Assistance Program
City of Livermore
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $595,318
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
3% Fixed Simple Interest Rate
Repayment Terms
Deferred Payment - Repayable at sale or refinance
MHDC Second Mortgage Loan Program
Montebello Housing Development Corporation (MHDC)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- No
Repayment Terms
Deferred Payment - Repayable at sale or refinance
CITY OF LONG BEACH
City of Long Beach
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Not specified
NPHS Opportunity Down Payment and Closing Cost Assistance Program
Neighborhood Partnership Housing Services, Inc.
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $484,350
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
Fixed Rate
Repayment Terms
Deferred Payment - Repayment begins in 60 months
Self-Help Enterprises SAFE Equity Boost Home Loan
Self-Help Enterprises / Self-Help Federal Credit Union
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- 150% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Self-Help SAFE first mortgage
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Up to 150% AMI (above 80% AMI must be first-time buyer)
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
0% interest for 30 years. Deferred payment. no monthly payments on DPA portion.
Additional Requirements
Must use Self-Help's SAFE mortgage product. Equity Boost allows 105% LTV with no PMI. Buyers under 80% AMI do not need first-time buyer status. ITIN borrowers may be eligible for some programs.
Notes
This is a first mortgage product from Self-Help Federal Credit Union, not a standalone DPA grant. Features: 0% down payment, no PMI, closing costs can be financed. Min credit score 580. Income limit 80% AMI (125% AMI for first-generation homebuyers). Can be combined with separate DPA programs. Self-Help contributes $2,000 toward SAFE Home savings.
CityLIFT down payment assistance
Community Housing Development Corporation (CHDC)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Forgivable - Fully forgiven at closing or forgiven on a schedule
SOAR Program
NHSIE CityLIFT
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA +2
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Repayment Terms
Fully Amortizing
CalHFA Zero Interest Program (ZIP)
CalHFA
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- 660+
- Property Types
- single-family, one-unit residence, approved condominium/PUDs, guest houses, gran...
- Max Price
- Not specified
Quick Facts
- Loan Types
- CalPLUS FHA, CalPLUS Conventional
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Must meet CalHFA county-specific income limits (low to moderate income)
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Deferred payment at 0% interest until home is sold, refinanced, transferred, or first mortgage is paid in full. No monthly payments required.
Additional Requirements
Must occupy property as primary residence; non-occupant co-borrowers are not allowed. Must complete homebuyer education counseling and obtain certificate of completion through eligible homebuyer counseling organization.
Notes
This is the Zero Interest Program (ZIP) component that is combined with the CalPLUS FHA first mortgage for closing costs assistance. The program is offered through CalHFA-approved loan officers, not directly by CalHFA.
GSFA Platinum Assist-to-Own
Golden State Finance Authority (GSFA)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- 80% AMI
- Min Credit Score
- 640+
- Property Types
- 1-4 unit homes, condo, townhome, manufactured home
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- deferred loan
- Profession
- Must be employed by one of the 39 GSFA Member Coun...
- Homebuyer Ed.
- Not specified
Income Limits
No income limits when using FHA, VA, or USDA first mortgages. For Conventional first mortgages, moderate-income limits apply by county (e.g., Yuba County: $196,560; San Francisco and Alameda Counties: $302,580). Borrowers at or below 80% AMI qualify for more attractive pricing and reduced MI (Charter level coverage).
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Deferred second mortgage at 0% interest. No monthly payments. Repayment due upon sale or refinance. Up to 2% available as gift (no repayment).
Additional Requirements
Must be employed by one of the GSFA Member Counties with verification of employment required, property must be primary residence, debt-to-income ratios up to 50% allowed in certain cases, gift portion subject to market conditions
Notes
Updated from gsfahome.org/programs/dpa/platinum.shtml. Available to employees of GSFA member counties only. Not limited to first-time homebuyers. Program may not currently have funding available as of March 2026.
PLHA First Time Home Buyer Program
Riverside County Housing & Workforce Solutions (HWS)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 120% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhome, manufactured
- Max Price
- New/Existing Single-Family: $564,205, New/Existing Condo/Townhouse: $513,000, Manufactured Home: $361,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Up to 120% AMI for PLHA; up to 80% AMI for HOME (HOME funds exhausted)
Check AMI limits for your county →Repayment Terms
No payments required until sale or cash-out refinance. After 15 year affordability period, assistance is converted to a grant with no repayment of funds.
Additional Requirements
Must work with participating lenders, must provide Homeownership Notice to sellers as addendum to purchase contract, must maintain property in sound condition
Notes
Purchase price limits: SFR $564,205, Condo/TH $513,000, Manufactured $361,000. PLHA portion (120% AMI) is open. HOME portion (80% AMI) funds are exhausted. Assistance amount determined based on applicant qualifications and home cost. Section 8 Family Self Sufficiency Program participants may also be eligible.
Fresno County First-Time Homebuyer Program
Fresno County Department of Public Works and Planning
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA, USDA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Household income at or below 80% AMI for Fresno County
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Zero-interest deferred payment loan. Repayment deferred for 30 years or until primary mortgage paid off. Balance due upon change of title or non-occupancy.
Additional Requirements
Must have lived or worked in Fresno County for at least 6 months. Borrower must contribute 1% of purchase price. Monthly housing costs cannot exceed 35% of gross income. Total debt cannot exceed 43% of gross income.
Notes
Program suspended due to federal HOME income limits being too low relative to Fresno home costs. County exploring alternative funding sources. City of Fresno may operate separate program. call 311.
Palmdale Down Payment Assistance Program
City of Palmdale
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Must meet HCD Income Limits for Los Ange...
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Zero-interest, 30-year deferred 'silent second' mortgage. No monthly payments. Repaid upon sale, transfer, refinance, or when no longer primary residence.
Additional Requirements
Primary loan must be fully amortized 30-year fixed rate (no ARMs). Must live in home as primary residence for full 30-year term. Must complete 8-hour Homebuyer Education Program. No ownership in past 3 years.
Notes
Antelope Valley / northern LA County. Income limits based on HCD guidelines effective 4/23/2025. Silent second mortgage means no monthly payments on the DPA portion.
San Luis Obispo County First-Time Homebuyer Loans
San Luis Obispo County Planning Department (Housing Division)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low income
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
low interest
Repayment Terms
Deferred payment loan. Contact SLO County Housing Division for current terms.
Additional Requirements
Must be first-time homebuyer. Limited funding. contact Housing Division for current availability. Must purchase in SLO County.
Notes
Central Coast program. covers Paso Robles, Atascadero, Arroyo Grande, San Luis Obispo, etc. Limited funding cycles. Contact SLO County Planning Department (Housing Division) at (805) 781-5600 for availability.
Monterey County First-Time Homebuyer Program
County of Monterey Housing Division
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 640+
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Household income at or below 80% AMI for Monterey County
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Deferred payment loan using HOME funds. No monthly payments. Repaid upon sale, transfer, refinance, or loss of primary residence.
Additional Requirements
Must be Monterey County resident. Must be first-time buyer (no ownership in past 3 years). Buyer must contribute min 3.5% of purchase price. Home must be 'modest' (max 3BR/2BA/2-car garage). Must be in unincorporated areas only. Currently suspended for guideline updates.
Notes
Program temporarily suspended while new guidelines are developed by CA HCD. Still a valid program. check for reopening. HOME-funded. Covers Salinas area, Carmel Valley, etc. Contact (831) 755-5025.
People's Self-Help Housing Homebuyer Programs
People's Self-Help Housing
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- 640+
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Varies by program. Deferred loans with no monthly payments typical. Repaid upon sale, transfer, or refinance.
Additional Requirements
Must be first-time homebuyer. Homebuyer education required. Some programs are sweat-equity (self-help construction). CalHome funded programs available.
Notes
One of the largest self-help housing providers on the Central Coast. Administers CalHome DPA programs for SLO, SB, and Ventura counties. Also builds affordable homes through sweat-equity programs. Contact: (805) 699-7220.
CSET First-Time Home Buyer Program
Community Services Employment Training (CSET)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low income
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Low-income households per HUD limits for Tulare County
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Deferred loan payment assistance. No monthly payments. Terms vary by funding source.
Additional Requirements
Must be first-time homebuyer. Must complete CSET homebuyer education program. Must purchase in Tulare County.
Notes
CSET serves the entire Tulare County region. Visalia, Tulare, Porterville, and surrounding communities. Also offers homeownership education and financial coaching. Contact: (559) 732-4194.
Housing Authority of Tulare County Homebuyer Program
Housing Authority of the County of Tulare (HATC)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low income
- Min Credit Score
- 640+
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Deferred payment loan. Terms vary by funding cycle.
Additional Requirements
Must be first-time homebuyer. Must be Tulare County resident. Must complete homebuyer education.
Notes
HATC administers various federal and state housing programs in Tulare County. Central Valley location. covers Visalia, Tulare, Porterville, etc. Contact: (559) 627-3700.
City of Fresno First-Time Homebuyer Assistance
City of Fresno Office of Community Affairs
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Low-to-moderate income per HUD limits for Fresno County
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Deferred payment loan. No monthly payments. Repaid upon sale, transfer, refinance, or loss of primary residence.
Additional Requirements
Must be first-time homebuyer. Must purchase within Fresno city limits. Must complete homebuyer education. HOME/CDBG funded. Separate from Fresno County program.
Notes
City of Fresno is the 5th largest city in California (pop ~540,000). This city program is SEPARATE from Fresno County FTHB program. covers different geographic area. Fresno buyers may also qualify for Self-Help Enterprises, OpenHome, and CSET programs.
Habitat for Humanity Monterey Bay Homebuyer Program
Habitat for Humanity Monterey Bay
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 30-80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Habitat mortgage
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Affordable mortgage through Habitat. 0% interest. Monthly payments based on income (no more than 30% of household income).
Additional Requirements
Must demonstrate housing need. Must be willing to contribute sweat equity (help build homes). Must complete financial literacy and homebuyer education. Income 30-80% AMI.
Notes
Habitat builds affordable homes and provides 0% interest mortgages. Sweat-equity model. buyers help build their homes and neighbors' homes. Monthly payments never exceed 30% of income. Covers both Santa Cruz and Monterey counties. addresses the Central Coast affordability gap.
Housing Resource Center of Monterey County DPA
Housing Resource Center of Monterey County
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Low-to-moderate income per HUD limits for Monterey County
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Varies by program and funding source. Contact HRC for current terms.
Additional Requirements
Must be first-time homebuyer. Must complete HRC homebuyer education (only HUD-approved agency in Monterey County). CalHome funded programs.
Notes
HRC is the ONLY HUD-approved homebuyer counseling agency in Monterey County. Required for virtually all DPA programs in the area. Also offers financial coaching, credit counseling, and foreclosure prevention. Contact: (831) 424-9186.
Escondido Homebuyer Entry Loan Program (HELP)
City of Escondido Housing Division
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low income
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Maximum purchase price limits apply
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Low-income first-time homebuyers per HUD limits for San Diego County
Check AMI limits for your county →Interest Rate
low interest
Repayment Terms
Low-interest down payment assistance loan. Deferred payments. Repaid upon sale, transfer, refinance, or loss of primary residence.
Additional Requirements
Must be first-time homebuyer. Must purchase within Escondido city limits. Must complete homebuyer education. HOME-funded program since 1996.
Notes
North San Diego County city (pop ~150,000). Assistance up to 5% of purchase price for down payment and closing costs. Contact Housing Division at (760) 839-4841.
Oceanside CalHome First-Time Homebuyer Mortgage Assistance
City of Oceanside Housing & Neighborhood Services
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low income
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Deferred-payment second mortgage. No monthly payments. Repaid upon sale, transfer, refinance, or loss of primary residence.
Additional Requirements
Must be first-time homebuyer. CalHome-funded. Must use approved lender from city list. Must complete HUD-approved homebuyer education. Also offers MCC tax credit program.
Notes
North San Diego County coastal city (pop ~176,000). Also has pilot Moderate-Income program (up to $120K, currently depleted). Includes Mortgage Credit Certificate (MCC) program for tax credit. Contact: (760) 435-3360. Staff available in English and Spanish.
CHDC CalHome Mortgage Assistance. Contra Costa County
Community Housing Development Corporation (CHDC)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Low-to-moderate income per HUD limits for Contra Costa County
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
30-year deferred-payment second mortgage. No monthly payments. Repaid upon sale, transfer, refinance, or loss of primary residence.
Additional Requirements
Must be first-time homebuyer. State CalHome-funded. Must complete CHDC homebuyer counseling. Property must be in Contra Costa County.
Notes
CHDC also administers the WISH matching grant and NeighborhoodLIFT in the Bay Area. Covers Antioch, Concord, Pittsburg, Walnut Creek, Martinez, Pleasant Hill, and other CC County cities. Contact: communityhdc.org.
Marin Housing Authority BMR Homeownership Program
Marin Housing Authority
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- 640+
- Property Types
- condo
- Max Price
- Varies by unit. sold below market rate
Quick Facts
- Loan Types
- FHA, Conventional
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Low-to-moderate income per HUD limits for Marin County
Check AMI limits for your county →Interest Rate
below market rate
Repayment Terms
Below Market Rate (BMR) purchase. home sold at below market value with equity restrictions. Deed-restricted resale to income-qualified buyers.
Additional Requirements
Must be first-time homebuyer. BMR units are deed-restricted condos sold below market value. Must qualify by income. Resale restricted to other income-qualified buyers.
Notes
Marin County is one of the highest-cost counties in CA. BMR program provides access to homeownership at significantly reduced prices. Also offers Housing Choice Voucher Homeownership program for Section 8 participants. Contact: (415) 491-2550.
Clovis First-Time Homebuyer Program
City of Clovis / Self-Help Enterprises
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low income
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Deferred-payment second mortgage. No monthly payments. Repaid upon sale, transfer, refinance, or loss of primary residence.
Additional Requirements
Must be first-time homebuyer. Must purchase in Clovis. CalHome/HOME funded. Administered in partnership with Self-Help Enterprises.
Notes
Clovis is adjacent to Fresno (pop ~120,000). Buyers can also access Fresno County FTHB program and Self-Help Enterprises SAFE Equity Boost. Contact City of Clovis Planning & Development.
Kings County First-Time Homebuyer Program
Kings County Community Development Agency / Self-Help Enterprises
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low income
- Min Credit Score
- 640+
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA, USDA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Deferred-payment second mortgage. No monthly payments. Repaid upon sale, transfer, refinance, or loss of primary residence.
Additional Requirements
Must be first-time homebuyer. CalHome/HOME funded. Administered with Self-Help Enterprises. Must complete homebuyer education.
Notes
Central Valley county between Fresno and Tulare counties. Covers Hanford, Lemoore, Avenal, Corcoran. Self-Help Enterprises also provides SAFE Equity Boost loans in Kings County. USDA loans available in rural areas.
Kern County First-Time Homebuyer Program
Kern County Planning and Natural Resources Department
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low income
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional, VA, USDA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Deferred-payment second mortgage. No monthly payments. Repaid upon sale, transfer, refinance, or loss of primary residence.
Additional Requirements
Must be first-time homebuyer. HOME/CalHome funded. City of Bakersfield has its own separate DPA program. County program covers areas outside Bakersfield.
Notes
Covers unincorporated Kern County and participating cities (excludes Bakersfield which has its own Hope to Home program). Includes Tehachapi, Ridgecrest, California City, Wasco, Shafter, Delano, etc. USDA available in many rural areas.
Solano-Napa Habitat for Humanity Homeownership
Solano-Napa Habitat for Humanity
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 30-80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Habitat mortgage
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Affordable mortgage through Habitat. 0% interest. Monthly payments based on ability to pay (max 30% of income).
Additional Requirements
Must demonstrate housing need. Must contribute sweat equity. Must complete financial literacy and homebuyer education. Income 30-80% AMI.
Notes
Habitat builds affordable homes and provides 0% interest mortgages. Sweat-equity model. Monthly payments never exceed 30% of income. Covers Solano County (Fairfield, Vacaville, Vallejo) and Napa County. Located at 5130 Fulton Dr., Ste. R, Fairfield, CA 94534.
First Time Homebuyers Program
City of Madera
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Not specified
Interest Rate
zero-interest
Repayment Terms
deferred loans
Notes
Program is temporarily on hold until additional funding becomes available. Funding comes primarily from the State Department of Housing and Community Development. Provides gap financing to purchase first home.
CalHFA Down Payment Assistance - FHA
CalHFA
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Must meet CalHFA county-specific income ...
- Min Credit Score
- 660+
- Property Types
- single-family, approved condominium/PUDs, manufactured housing
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Must meet CalHFA county-specific income limits for FHA government loans
Check AMI limits for your county →Interest Rate
0% (ZIP) or 1% simple interest (MyHome)
Repayment Terms
Deferred-payment junior loan. No monthly payments required. Repaid upon sale, refinance, or payoff of first mortgage.
Additional Requirements
Must occupy property as primary residence. Must complete homebuyer education counseling. Must work with a CalHFA-approved lender. Non-occupant co-borrowers not allowed.
Notes
CalHFA FHA first mortgage paired with subordinate financing. Can add MyHome (up to 3.5% of purchase price) and/or ZIP (up to 4.5% on CalPLUS FHA) for down payment and closing cost assistance. CalHFA does not lend directly. works through approved lenders.
CalHFA Down Payment Assistance - Conventional
CalHFA
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 680+
- Property Types
- single-family, approved condominium/PUDs, manufactured housing
- Max Price
- Not specified
Quick Facts
- Loan Types
- Conventional
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Must meet CalHFA county-specific income limits. 660 credit score if income is at or below 80% AMI, 680 if above.
Check AMI limits for your county →Interest Rate
0% (ZIP) or 1% simple interest (MyHome)
Repayment Terms
Deferred-payment junior loan. No monthly payments required. Repaid upon sale, refinance, or payoff of first mortgage.
Additional Requirements
Must occupy property as primary residence. Must complete homebuyer education counseling. Must work with a CalHFA-approved lender. Non-occupant co-borrowers not allowed.
Notes
CalHFA Conventional first mortgage paired with subordinate financing. Can add MyHome (up to 3% of purchase price) and/or ZIP (up to 3% on CalPLUS Conventional) for down payment and closing cost assistance. CalHFA does not lend directly. works through approved lenders.
MyHome Assistance Program
CalHFA
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- 660+
- Property Types
- single-family, one-unit residence, approved condominium/PUDs, guest houses, gran...
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Must meet CalHFA county-specific income limits. 660 credit score for FHA; 680 for Conventional (660 if income ≤80% AMI).
Check AMI limits for your county →Interest Rate
1% simple interest
Repayment Terms
Deferred-payment junior loan. No monthly payments. Repaid upon sale, refinance, or payoff of first mortgage.
Additional Requirements
Must occupy property as primary residence. Non-occupant co-borrowers not allowed. Must complete homebuyer education counseling.
Notes
Subordinate loan for down payment and closing costs. Up to 3.5% for FHA loans, up to 3% for Conventional loans. Can be combined with CalHFA first mortgage programs. CalHFA does not lend directly. works through approved lenders.
San Joaquin County GAP/DAP Down Payment Assistance
San Joaquin County Neighborhood Preservation Division
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- single_family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Additional Requirements
Must be first-time homebuyer. Programs available for specific cities within San Joaquin County.
Notes
Multiple GAP and DAP programs available for cities including Escalon, Tracy, Ripon, Manteca, Lathrop, and unincorporated San Joaquin County areas. Administered by San Joaquin County Neighborhood Preservation Division. Contact county for current funding availability.
Self-Help Enterprises Down Payment Assistance
Self-Help Enterprises
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Repayment Terms
Deferred-payment loan (varies by city/county funding source)
Additional Requirements
Min 1% down from own funds. Must qualify for first mortgage. Must complete homebuyer education (SHE Gateway program or equivalent). Property must be owner-occupied and pass health/safety inspection. Must be in a city/county with active funding.
Notes
SHE administers city/county/state (CalHOME) and federal funds as a pass-through. Funding varies by city. some cities currently funded, others awaiting new allocations. Also partners with Tri Counties Bank for up to 3%/$10K forgivable loan (5-year term, 6 of 8 counties). Contact Alma Romero: (559) 802-1640, AlmaR@selfhelpenterprises.org. Sign up for funding update emails.
MyAccess
California Housing Finance Agency
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Fannie Mae, FHA, VA, USDA-RD +2, USDA-RD +3, USDA-RD
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Not specified
Repayment Terms
Deferred Payment - Repayment at sale or refinance
Homebuyer Assistance
Chico Rancheria Housing Corporation
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- - -
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Not specified
Below Market Rate Downpayment Assistance Loan Program (BMR DALP)
City and County of San Francisco
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Below Market Rate (BMR) Housing Program
City of Daly City
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- No
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Homebuyer Assistance Program
City of El Monte
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Forgivable - Fully forgiven at closing or forgiven on a schedule
First Time Homebuyer Program (FTHB)
City of Porterville - Community Development
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $371,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
1% Fixed Simple Interest Rate
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Affordable Purchase Program
City of Roseville
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
First-Time Homebuyer Down Payment Assistance Program
City of San Marcos
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
3%
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Homebuyer Assistance Program
City of Simi Valley
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
First-Time Homebuyer Program
City of Tulare
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Not specified
Interest Rate
1% interest
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Below Market Rate Homeownership Program
City of Walnut Creek
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- No
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
First Time Homebuyer program
City of Watsonville - Community Dev. Depart.
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
1% Simple Interest
Repayment Terms
Deferred Payment - Repayable at sale or refinance
First Time Homebuyer Down Payment Assistance Program
County of Monterey
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Manufactured
- Max Price
- $618,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
3% Fixed Simple Interest Rate
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Empower Homebuyers SCC Program
County of Santa Clara
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Repayment Terms
Deferred Payment - Repayable at sale or refinance
GSFA Member County "Assist-to-Own" DPA
Golden State Finance Authority
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, 3 units, 4 units, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, FHA, VA, USDA-RD +2, USDA-RD +3
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
GSFA Platinum® Program
Golden State Finance Authority
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, 3 units, 4 units, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, VA, USDA-RD, Freddie Mac, USDA-RD +3
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Homeownership Assistance Program
Housing Authority of the County of San Bernardino
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- No
North Coast Program
City of Carpinteria
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Not specified
NHF Downpayment Assistance
National Homebuyers Funds, Inc.
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- No
Sacramento Neighborworks CALHome DAP
NeighborWorks Sacramento Region
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Not specified
Interest Rate
3%
Repayment Terms
Deferred Payment - Repayment at sale or refinance
USDA 502 Direct Loans
NeighborWorks Sacramento Region
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- Not specified
Quick Facts
- Loan Types
- USDA-RD
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Not specified
Interest Rate
1%
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Supporting Home Ownership in Poway (SHOP) Program
Poway Housing Authority
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium
- Max Price
- $512,500
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
First Time Home Buyer Program
Town of Paradise
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
NAHASDA Homeownership
Yurok Indian Housing Authority (YIHA)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, HUD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Chenoa Fund FHA Down Payment Assistance Forgivable
CBC Mortgage Agency (Chenoa Fund)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, Leasehold, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $766,550
Quick Facts
- Loan Types
- FHA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Chenoa Fund FHA Down Payment Assistance Repayable
CBC Mortgage Agency (Chenoa Fund)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, Leasehold, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $766,550
Quick Facts
- Loan Types
- FHA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
Note rate 1% above the first mortgage note rate
Repayment Terms
This loan does require a monthly payment on the second mortgage.
Tax Credit Programs (3)
Tax credits reduce your federal income tax each year for the life of the loan, helping you qualify for a larger mortgage.
Mortgage Credit Certificate (MCC)
City of Los Angeles Housing Department (LAHD)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- tax credit
- Profession
- all
- Homebuyer Ed.
- Not specified
Income Limits
Low to moderate income. Targeted areas in parts of South Los Angeles and East San Fernando Valley exempt from first-time buyer requirement.
Check AMI limits for your county →Repayment Terms
Not a loan. provides a dollar-for-dollar reduction in federal income tax liability equal to 20% of annual mortgage interest paid. Remaining 80% of interest still deductible. Non-refundable tax credit. Unused credit can be carried forward up to 3 years.
Notes
Currently out of funding per LAHD. This program provides a 20% federal income TAX CREDIT (not 20% down payment). Contact LAHD at (213) 922-9672 for status updates. Updated from LAHD website.
Mortgage Credit Certificate (MCC) Program
Riverside County Housing & Workforce Solutions (HWS)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 115% AMI
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Conventional, FHA, VA, FNMA, FHLMC
- Assistance Type
- tax credit
- Profession
- all
- Homebuyer Ed.
- Not specified
Income Limits
Household income cannot exceed 115% of Area Median Income, unless purchasing in a federally-defined target area or high cost area.
Check AMI limits for your county →Repayment Terms
Not a loan. provides a 20% federal income tax credit on mortgage interest for the life of the loan. Remaining 80% of interest is deductible. Non-refundable credit. Unused portion can be carried forward up to 3 years.
Additional Requirements
Maximum fee of $400 ($300 County application fee + up to $100 lender processing fee). Cannot be used with bond-backed loans (Cal-Vet, CalHFA). Not transferable when refinancing or to new buyer. Must remain primary residence.
Notes
Link corrected to rivcohws.org (was rivcoeda.org). Formerly administered by Riverside County Economic Development Agency, now under Housing & Workforce Solutions (HWS). Updated from rivcohws.org research.
Mortgage Credit Certificate Program
Sacramento Housing and Redevelopment Agency (SHRA)
Eligibility Snapshot
- First-Time Buyer
- Not specified
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- tax credit
- Profession
- all
- Homebuyer Ed.
- Not specified
Notes
No funds currently available. Contact SHRA at (916) 440-1393 for updates.
Other Programs (7)
Additional assistance programs that don't fit neatly into the categories above.
Housing Choice Voucher Homeownership Program
Marin Housing Authority
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Family must have a gross annual income e...
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- 30 year FIXED Rate loan
- Assistance Type
- unknown
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Family must have a gross annual income equal to the Federal minimum wage multiplied by 2000. For disabled families, minimum income requirement is equal to current SSI monthly payment for an individual living alone, multiplied by 12
Check AMI limits for your county →Repayment Terms
Maximum of 15 years (except elderly/disabled - no time limits)
Additional Requirements
Have a HCV Rental Voucher for at least one year with no debts owed to MHA; Head of Household or Responsible Adult must be employed for minimum of one year at 30 hrs/week (unless Elderly/Disabled); Must participate in MHA HCV Homeownership Orientation; Must have funds for down payment and closing costs (closing costs approximately 6% of purchase price, 20% of purchase price for down & closing is realistic); Must qualify and secure own financing from a bank; No Adjustable Rate Mortgages allowed
Notes
Program allows HAP (Housing Assistance Payment) Subsidy to be used for mortgage payment instead of rental assistance. Program is essentially established for communities where housing is more affordable in the $100k-$200k range - very difficult in Marin & Bay Area. Program may be used with the BMR Lottery Program. Total housing costs should equal payment standard for voucher size held. If housing costs exceed payment standard, household can pay maximum of 40% of monthly adjusted gross income out of pocket
Down Payment Assistance Loans
Mono County
Eligibility Snapshot
- First-Time Buyer
- Not specified
- Income Limit
- Income limits table available for Mono C...
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- unknown
- Profession
- all
- Homebuyer Ed.
- Not specified
Income Limits
Income limits table available for Mono County with annual income thresholds used to determine eligibility for affordable housing programs
Check AMI limits for your county →Notes
Utilizing Community Development Block Grant and HOME Investment Partnership funding through the Federal Department of Housing and Urban Development and the California Department of Housing and Community Development. Eighteen of these loans have been utilized to date, helping families purchase a home when they would not otherwise have been able to transition to home ownership.
Mono County HOME Program Down Payment Assistance for Home Ownership
Mono County
Eligibility Snapshot
- First-Time Buyer
- Not specified
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- unknown
- Profession
- all
- Homebuyer Ed.
- Not specified
Notes
Page references an attached flyer for more information, but flyer content is not provided on the web page
City of Tulare Down Payment Assistance Program
Self-Help Enterprises
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low income
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Yes, purchase price limits vary based on the city in which the home is based and total gross household income
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- unknown
- Profession
- all
- Homebuyer Ed.
- Not specified
Additional Requirements
First-time homebuyer defined as someone who has previously not owned a home or has not owned a home for the past three years
Notes
Programs are subject to availability of funds and on a first-come, first-served basis. Secondary financing may be available.
City of San Mateo First-Time Home Buyer Program (Below Market Rate - BMR)
City of San Mateo
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- unknown
- Profession
- all
- Homebuyer Ed.
- Not specified
City of Santa Clara Below Market Purchase (BMP) Program
City of Santa Clara
Eligibility Snapshot
- First-Time Buyer
- Not specified
- Income Limit
- Low-moderate income
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- unknown
- Profession
- all
- Homebuyer Ed.
- Not specified
Additional Requirements
Buyers must meet program eligibility requirements to qualify for purchase
Notes
The City of Santa Clara has operated a Below Market Purchase (BMP) Program since 1995. Hello Housing is the City's current BMP administrator. Program administrator contact: Santaclara@hellohousing.org, Phone: 415-504-3665
NCIHA Down Payment Assistance
Northern Circle Indian Housing Authority
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- unknown
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
At or below 80% of area median income: 1 person $58,352; 2 people $66,688; 3 people $75,024; 4 people $83,360; 5 people $90,029; 6 people $96,698; 7 people $103,366; 8 people $110,035
Check AMI limits for your county →Additional Requirements
Must be within tribe's specific service area. Must complete First Time Home Buyer's Pathway course.
Notes
Program serves multiple Native American tribes/rancheria. Specific program details vary by tribe. Contact staff for eligibility determination.
How to Apply for Down Payment Assistance in California
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1
Check Your Eligibility
Use our free eligibility tool to see which programs match your situation. Enter your state, city, income, and target home price.
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2
Contact the Program Administrator
Each program has its own application process. Visit the program website or call the administering agency to get started. Many programs work through approved lenders.
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3
Get Pre-Approved with a Participating Lender
Not every lender participates in every DPA program. Work with a lender who is approved for the programs you want. The program administrator can provide a list of approved lenders.
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4
Complete Homebuyer Education (If Required)
Many programs require a HUD-approved homebuyer education course. Online options through eHome America and Framework are accepted by most programs.
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5
Close & Move In
DPA funds are typically disbursed at closing alongside your first mortgage. Your lender coordinates the DPA program paperwork as part of the loan process.
Frequently Asked Questions
How much down payment assistance can I get in California?
Up to $500,000 through available programs in California. Multiple programs can often be combined for even more assistance. The exact amount depends on your income, location, and the specific program requirements.
Do I need to be a first-time homebuyer?
Not always. 36 programs in California are open to repeat buyers. "First-time buyer" is typically defined as not having owned a home in the past three years.
What credit score do I need?
As low as 600 for some programs. Most programs require 620-660. Higher credit scores may qualify you for more programs and better terms.
Can I combine multiple DPA programs?
In many cases, yes. Some programs are specifically designed to be layered with others. For example, you might combine a state grant with a local deferred loan. Check with each program administrator about stacking eligibility.
DPA Programs in Nearby States
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