Do I have to be a first-time buyer for US Bank Access Home Loan?

Yes. The program lists a first-time buyer requirement.

Is there an income limit?

Yes. The listed income limit is 80% AMI.

What credit score does US Bank Access Home Loan list?

The listed minimum credit score is 640.

US Bank Access Home Loan

US Bank Access Home Loan is a down payment grant from US Bank. Coverage: California. Up to $12,500 toward a home purchase. For first-time buyers. Income limit: 80% AMI.

Up to $12,500

Listed as open as of April 10, 2026

Coverage: California.

First-time buyer	Required
Income limit	80% AMI
Minimum credit score	640
Repayment	deferred
Notes	INFORMATIONAL, US Bank retail only. Targets majority-Black/Hispanic census tracts.

Source US Bank·official program page·Verified April 10, 2026

Provider: US Bank · program details at the provider’s site.

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