Irvine HOP
Irvine HOP is a deferred 2nd 2% from City of Irvine Housing Auth. Serves Irvine. Up to $70,000 toward a home purchase. First-time buyer status is not required. Income limit: 100-120% AMI.
Up to $70,000
Listed as open as of May 2026
Serves Irvine.
| First-time buyer | Not required |
|---|---|
| Income limit | 100-120% AMI |
| Minimum credit score | 640 |
| Maximum DTI | 43% |
| Homebuyer education | Required (HUD-approved 8-hr or eHome) |
| Occupations | Affordable units |
| Property types | SFR, condo, townhome |
| Occupancy | Owner-occupied primary |
| Eligible loan products | FHA/Conv/VA/USDA |
| Sales price cap | 600000 |
| Repayment | 30-yr silent 2% 2nd |
| Stacking | Layers with CalHFA, GSFA |
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.
Provider: City of Irvine Housing Auth · program details at the provider’s site.
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