San Joaquin County GAP Loan Program
San Joaquin County GAP Loan Program is a silent second gap loan from San Joaquin County Housing/Neighborhood Preservation. Serves San Joaquin. Up to $80,000 toward a home purchase. For first-time buyers. Income limit: 80% AMI.
Up to $80,000
Listed as open as of April 10, 2026
Serves San Joaquin.
| First-time buyer | Required |
|---|---|
| Income limit | 80% AMI |
| Repayment | 0% int.; deferred |
| Stacking | Stacks: calhfa-myhome |
| Amount notes | 20% of sales price up to $40,000 (program flyer); some larger awards via NSP loans $40K-$80K |
| Notes | San Joaquin unincorporated only. Up to $80K gap financing. |
| Phone | (209) 468-3175 |
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.
Provider: San Joaquin County Housing/Neighborhood Preservation · program details at the provider’s site.
See if San Joaquin County GAP Loan Program fits your purchase
Tell Cal how to reach you and a licensed loan officer will walk through this program, what it stacks with, and what you would actually qualify for. No spam, no list-selling.
More California programs
-
Deferred Silent Second · Up to 3.5%
-
Deferred Closing Cost Assistance · Up to 4%
-
First Mortgage (for pairing with DPA) · Amount varies by program
-
First Mortgage (for pairing with DPA) · Amount varies by program
-
Deferred Silent Second · Up to 2.5%
-
Shared Appreciation Loan · Up to $150,000 or Up to 20%
-
Forgivable Loan · Up to 10%
-
Federal Tax Credit · Up to $2,000 or Up to 20%