GSFA Platinum Program
GSFA Platinum Program is a grant or 3-year forgivable second from Golden State Finance Authority. Available statewide in California. Up to 5.5% toward a home purchase. First-time buyer status is not required. Income limit: GSFA county/loan-type income limits.
Up to 5.5%
Listed as open as of April 10, 2026
Available statewide in California.
| First-time buyer | Not required |
|---|---|
| Income limit | GSFA county/loan-type income limits |
| Minimum credit score | 640 |
| Maximum DTI | 50% |
| Homebuyer education | Required |
| Property types | SFR, condo, PUD, 2-4 unit, manufactured (FHA only) |
| Occupancy | Owner-occupied primary |
| Eligible loan products | FHA, VA, USDA, Conventional |
| Sales price cap | Per first loan program |
| Repayment | Grant: never repaid. Forgivable second: forgiven after 3 years of occupancy. |
| Forgivable | Forgivable after 3 years (forgivable second structure) OR no repayment ever (grant structure) |
| Stacking | Stacks: calhfa-mcc |
| Amount notes | 3% to 5.5% of the loan amount as a grant (non-repayable) or 3-year forgivable second mortgage. Lender selects structure at lock. |
| Notes | Most flexible statewide non-FTHB DPA. No FTHB required. Great fallback for repeat buyers. |
| Phone | 855-740-8422 |
Provider: Golden State Finance Authority · program details at the provider’s site.
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