Down payment assistance in California

265 programs are listed for California: grants, forgivable loans, deferred seconds, first mortgage products and tax credits from state, county, city, nonprofit, regional and lender and employer providers. Every amount and rule below comes from the provider’s published terms.

Browse by county

• Alameda County
  4 local programs
• Butte County
  3 local programs
• Colusa County
  1 local program
• Contra Costa County
  6 local programs
• El Dorado County
  1 local program
• Fresno County
  4 local programs
• Glenn County
  1 local program
• Humboldt County
  1 local program
• Imperial County
  2 local programs
• Kern County
  3 local programs
• Kings County
  2 local programs
• Lake County
  1 local program
• Los Angeles County
  7 local programs
• Madera County
  1 local program
• Marin County
  1 local program
• Mariposa County
  1 local program
• Merced County
  2 local programs
• Monterey County
  2 local programs
• Napa County
  3 local programs
• Nevada County
  1 local program
• Orange County
  5 local programs
• Riverside County
  7 local programs
• Sacramento County
  3 local programs
• San Benito County
  1 local program
• San Bernardino County
  6 local programs
• San Diego County
  8 local programs
• San Joaquin County
  1 local program
• San Mateo County
  4 local programs
• Santa Barbara County
  4 local programs
• Santa Clara County
  2 local programs
• Santa Cruz County
  2 local programs
• Shasta County
  3 local programs
• Solano County
  2 local programs
• Sonoma County
  6 local programs
• Stanislaus County
  2 local programs
• Tulare County
  2 local programs
• Ventura County
  5 local programs
• Yolo County
  1 local program
• Yuba County
  1 local program

Statewide programs

• CalHFA MyHome Assistance Program
  Deferred Silent Second · Up to 3.5% · California Housing Finance Agency
• CalHFA ZIP (Zero Interest Program)
  Deferred Closing Cost Assistance · Up to 4% · California Housing Finance Agency
• CalPLUS FHA
  First Mortgage (for pairing with DPA) · Amount varies by program · California Housing Finance Agency
• CalPLUS Conventional
  First Mortgage (for pairing with DPA) · Amount varies by program · California Housing Finance Agency
• CalHFA MyAccess
  Deferred Silent Second · Up to 2.5% · California Housing Finance Agency
• CalHFA Dream For All Shared Appreciation Loan
  Shared Appreciation Loan · Up to $150,000 or Up to 20% · California Housing Finance Agency
• GSFA Platinum Program
  grant or 3-year forgivable second · Up to 5.5% · Golden State Finance Authority
• GSFA Platinum SELECT (Occupation-Based)
  Occupation-Based Amortizing Second + Grant · Up to 5% · Golden State Finance Authority
• GSFA Assist-to-Own
  Deferred Silent Second · Up to 3.5% · Golden State Finance Authority
• NACA Purchase Program
  100% Financing, No PMI, Below-Market Rate · Up to 100% · Neighborhood Assistance Corporation of America
• Fannie Mae HomePath Ready Buyer
  Closing Cost Credit (HomePath REO only) · Up to 3% · Fannie Mae
• Habitat for Humanity California Affiliates
  0% Affiliate First Mortgage · Up to 100% · Local Habitat affiliates
• HUD Good Neighbor Next Door
  50% Discount on HUD REO Homes (Revitalization Areas) · Up to 50% · U.S. Department of Housing and Urban Development
• Fannie Mae HomeReady
  Low Down Conventional · Amount varies by program · Fannie Mae
• Freddie Mac Home Possible
  Low Down Conventional · Amount varies by program · Freddie Mac
• FHLB San Francisco WISH Grant
  Matched Savings Grant · Up to $32,837 · Federal Home Loan Bank of San Francisco
• CalHERO Advantage
  Occupation-Based Grant · Up to 2% · CalHERO (private lender network)
• FHLBank San Francisco Middle-Income Downpayment Assistance (MIDA)
  Matching Grant (NEW for 2026) · Up to $40,000 · Federal Home Loan Bank of San Francisco
• MyHome Assistance Program
  deferred-payment junior loan (silent second) · Amount varies by program · California Housing Finance Agency (CalHFA)
• Zero Interest Program (ZIP)
  deferred silent second (zero-interest) · Amount varies by program · California Housing Finance Agency (CalHFA)
• MyAccess Forgivable DPA (with CalPLUS Access)
  deferred silent second · Amount varies by program · California Housing Finance Agency (CalHFA)
• CalHFA Conventional Loan Program
  first mortgage (conventional, fixed rate) · Amount varies by program · California Housing Finance Agency (CalHFA)
• CalHFA FHA Loan Program
  first mortgage (FHA-insured, fixed rate) · Amount varies by program · California Housing Finance Agency (CalHFA)
• CalPLUS Conventional Loan + ZIP
  first mortgage + ZIP closing-cost second · Amount varies by program · California Housing Finance Agency (CalHFA)
• CalPLUS FHA Loan + ZIP
  first mortgage + ZIP closing-cost second · Amount varies by program · California Housing Finance Agency (CalHFA)
• CalHFA VA Loan Program
  first mortgage (VA-guaranteed, fixed rate) · Amount varies by program · California Housing Finance Agency (CalHFA)
• CalHFA USDA Loan Program
  first mortgage (USDA-guaranteed) · Amount varies by program · California Housing Finance Agency (CalHFA)
• Cal-EEM + Grant Program (Energy Efficient Mortgage)
  first mortgage + forgivable grant · Amount varies by program · California Housing Finance Agency (CalHFA)
• GSFA Golden Opportunities Program
  amortizing second mortgage + optional gift · Amount varies by program · Golden State Finance Authority (GSFA)
• GSFA Assist-to-Own (Employer Variant)
  deferred silent second + optional gift · Amount varies by program · Golden State Finance Authority
• GSFA Mortgage Credit Certificate (MCC)
  federal income tax credit · Amount varies by program · Golden State Finance Authority (GSFA)
• CalVet Home Loan Program
  first mortgage (state veteran contract-of-sale) · Amount varies by program · California Department of Veterans Affairs (CalVet)
• VA Home Loan (Purchase)
  first mortgage (VA-guaranteed) · Amount varies by program · U.S. Department of Veterans Affairs
• FHA 203(b) Loan
  first mortgage (FHA-insured) · Amount varies by program · HUD / FHA
• NACA Home Purchase Program
  below-market first mortgage (no DPA but no down payment) · Amount varies by program · Neighborhood Assistance Corp of America
• Habitat for Humanity California
  below-market sale + 0% mortgage (sweat-equity) · Amount varies by program · Habitat for Humanity affiliates
• Mercy Housing CA Self-Help & Homebuyer Assistance
  sweat-equity + deferred second · Amount varies by program · Mercy Housing California
• RCAC Self-Help Housing Support
  USDA 502 packaging + technical assistance · Amount varies by program · Rural Community Assistance Corporation
• California Community Land Trust Network
  shared-equity / CLT umbrella · Amount varies by program · CA CLT Network
• CalHome Program (HCD)
  deferred silent second (locally administered) · Amount varies by program · California Department of Housing & Community Development
• GSFA MCC Program
  MCC (federal tax credit) · Amount varies by program · Golden State Finance Authority

County and city programs

• US Bank American Dream Loan
  DPA + Lender-Paid MI · Up to $10,000 or Up to 3% · US Bank
• Citi HomeRun Mortgage
  3% Down, No PMI Portfolio Loan · Up to 97% · Citibank
• US Bank Access Home Loan
  Down Payment Grant · Up to $12,500 · US Bank
• PNC Closing Cost Assistance Grant
  Closing Cost Grant · Up to $5,000 · PNC Bank
• Chase Homebuyer Grant (Expanded $7,500)
  Up to $7,500 Grant · Up to $7,500 · JPMorgan Chase
• City of Oakland Mortgage Assistance Program (MAP)
  30-Year Deferred Second · Up to $75,000 · Oakland Housing & Community Development
• Humboldt County First-Time Homebuyer Program
  Gap Silent Second (30-Year Deferred) · Up to $50,000 · Humboldt County Housing Division
• City of Redding Down Payment Assistance
  Silent Second · Up to $50,000 · City of Redding Housing Division
• San Joaquin County GAP Loan Program
  Silent Second GAP Loan · Up to $80,000 · San Joaquin County Housing/Neighborhood Preservation
• SB Housing Trust Fund Countywide Workforce Program
  10-Year Interest-Only Loan (High AMI) · Up to $125,000 · Housing Trust Fund of Santa Barbara County
• OC Mortgage Assistance Program (MAP)
  Silent Second (Deferred) · Up to $80,000 · OC Housing & Community Development / Affordable Housing Clearinghouse
• Anaheim First-Time Homebuyer Program
  Deferred Second Loan · Up to $50,000 · City of Anaheim
• Garden Grove First-Time Home Buyer Program
  Deferred Second Loan · Up to $110,000 · City of Garden Grove Neighborhood Improvement
• NeighborWorks Orange County DAISY DPA
  Forgivable Second (3 years) · Up to $13,475 · NeighborWorks Orange County (NWOC)
• Inland Empire Down Payment Assistance Program (IEDPA)
  Deferred 0% Loan · Up to $40,000 · NPHS / Inland Empire Community Foundation (U.S. Bank funded)
• NHSIE CalHome Program (San Bernardino County)
  Deferred CalHome Loan · Up to $55,000 · Neighborhood Housing Services of the Inland Empire
• San Diego County DCCA / CalHome Program
  Deferred 2nd Trust Deed Loan + Closing Cost · Up to 17% · County of San Diego (administered by SDHC)
• National City Home Buyer Program
  Deferred Second Loan · Up to $70,000 · National City Housing Authority
• El Cajon Homebuyer Assistance
  Shared-Appreciation Equity Loan · Up to $100,000 · City of El Cajon Housing Division
• City of Oxnard Homebuyer Assistance
  Deferred BEGIN/HOME Loan · Up to $57,000 · City of Oxnard Affordable Housing & Rehabilitation
• My Way Home HomeNow Program
  15-Year Deferred Loan · Up to $40,000 · My Way Home (formerly VCCDC)
• Habitat LA Down Payment Assistance
  Deferred/Forgivable DPA · Up to $100,000 · Habitat for Humanity Greater Los Angeles
• Pomona Mortgage Assistance Program (MAP)
  45-Year Deferred Forgivable Loan · Up to $100,000 · City of Pomona Housing Division
• Inglewood First-Time Homebuyer Program
  Deferred Loan + Closing Cost · Up to $140,000 · City of Inglewood Housing Authority
• Victorville Mortgage Assistance Program
  Deferred Second Loan · Up to $55,000 · City of Victorville
• City of Simi Valley Homebuyer Assistance
  Deferred Equity Share Loan · Up to 20% · City of Simi Valley Neighborhood Services
• Wells Fargo Dream. Plan. Home. Grant
  grant · Up to $10,000 · Wells Fargo
• Home Access Program
  30-Year Deferred Loan (NO equity share) · Up to $200,000 or Up to 40% · Housing Trust Silicon Valley
• Empower Homebuyers SCC
  Deferred Shared-Appreciation Loan · Up to $250,000 or Up to 17% · Housing Trust Silicon Valley (admin) / Santa Clara County (Measure A)
• San Mateo HEART Opening Doors
  Layered Mortgage Package (5% down, no PMI) · Up to $182,025 · HEART of San Mateo County (in partnership with Meriwest Mortgage)
• City of Napa First-Time Homebuyer DPA
  30-Year Deferred Loan · Up to $150,000 or Up to 30% · Housing Authority of the City of Napa
• Napa County Proximity Housing Homebuyer's Assistance
  Deferred Workforce Loan · Up to 16.5% · Napa County
• Burbank Housing CalHome FTHB (Sonoma County)
  30-Year CalHome Silent Second · Up to $200,000 or Up to 40% · Burbank Housing Development Corporation
• City of Santa Rosa Down Payment Assistance Loan
  30-Year Deferred Loan · Up to $75,000 or Up to 10% · City of Santa Rosa Housing Department
• CHDC CalHome (Contra Costa County)
  30-Year CalHome Silent Second · Up to $38,000 · Community Housing Development Corporation of North Richmond
• RCF Connects DPA Grant
  Down Payment Grant · Up to $10,000 · Richmond Community Foundation (RCF Connects)
• City of Fairfield NSP-3 DPA
  Deferred NSP Loan · Up to $41,000 · City of Fairfield Housing
• Nevada County Down Payment Assistance Program
  30-Year Deferred Silent Second · Up to $50,000 · Nevada County Housing & Community Services
• Shasta County Down Payment Assistance Program
  Silent Second (deferred) · Up to 40% · Shasta County HCAP
• City of Fresno OpenHome DPA Grant
  Down Payment Grant (no repayment) · Up to $25,000 · Beyond Housing Foundation / Fresno Housing Authority
• Town of Paradise First-Time Homebuyer Program
  Camp Fire Recovery Gap Loan · Amount varies by program · Town of Paradise Business and Housing Services
• ReCoverCA Homebuyer Assistance (DR-HBA)
  Disaster Recovery Forgivable Loan · Up to $350,000 · California HCD (federal CDBG-DR)
• Monterey County First-Time Homebuyer Program
  Silent Second Deferred Loan (HOME) · Amount varies by program · Monterey County Housing & Community Development
• Self-Help Enterprises Homebuyer Assistance
  CalHome Silent Second (multi-county) · Up to $38,000 · Self-Help Enterprises (CHDO nonprofit)
• San Mateo County EDPAP (Employee DPA Program)
  Deferred 5yr then Amortizing Second · Up to $105,000 · County of San Mateo
• Sonoma County HAC First-Time Homebuyer
  Deferred CalHome Silent Second · Up to $100,000 or Up to 8% · Sonoma County Housing & Community Services
• LA City Low Income Purchase Assistance (LIPA)
  Deferred Silent Second · Up to $161,000 · Los Angeles Housing Department (LAHD)
• LA City Moderate Income Purchase Assistance (MIPA)
  Deferred Silent Second (Lottery) · Up to $135,000 · Los Angeles Housing Department (LAHD)
• LA County HOP-80 (Home Ownership Program)
  Deferred Silent Second · Up to $100,000 · LA County Development Authority (LACDA)
• LA County HOP-120
  Deferred Silent Second · Up to $85,000 · LA County Development Authority (LACDA)
• SDHC Low-Income First-Time Homebuyer Program
  Deferred Silent Second + Closing Cost Grant · Up to 19% · San Diego Housing Commission
• SDHC Middle-Income First-Time Homebuyer Program
  Deferred Silent Second + Closing Cost Grant · Up to $40,000 · San Diego Housing Commission
• City of Ontario Keys to Community
  Stacked Deferred Loan + Grant · Up to $160,000 · City of Ontario
• Santa Barbara Housing Trust Fund, Workforce Homebuyer Program
  10-Year Interest-Only Deferred Loan · Up to $200,000 · Housing Trust Fund of Santa Barbara County
• Riverside County PLHA First-Time Homebuyer Assistance
  Forgivable Deferred Loan · Up to $100,000 · Riverside County Housing, Workforce & Community Services
• City of Pasadena DPA
  Deferred Silent Second · Up to $80,000 · City of Pasadena Housing Department
• SHRA PLHA First-Time Homebuyer Mortgage Assistance
  30-Year Deferred Silent Second (PLHA-funded) · Up to $50,000 or Up to 20% · Sacramento Housing & Redevelopment Agency
• City of Oakland Mortgage Assistance Program
  Deferred Silent Second · Up to $75,000 · City of Oakland Housing & Community Development
• Costa Mesa First-Time Homebuyer
  Deferred 2nd · Up to $50,000 · City of Costa Mesa Housing Auth
• Huntington Beach FTHB Hybrid
  30% grant + 70% deferred 2nd · Up to $80,000 · City of Huntington Beach CD
• Irvine HOP
  Deferred 2nd 2% · Up to $70,000 · City of Irvine Housing Auth
• Glendale Homebuyer Grant
  Grant or 0%/2% deferred 2nd · Up to $75,000 · Glendale CD
• Burbank FTBA
  Deferred 2nd · Up to $70,000 · City of Burbank CD
• Inglewood CDBG Homebuyer
  Deferred 2nd or grant · Up to $60,000 · City of Inglewood CD
• Compton HAP
  Deferred 2nd · Up to $50,000 · City of Compton Housing
• Pomona FTHB
  Deferred 2nd · Up to $65,000 · Pomona CD
• Long Beach HAP
  Deferred silent 2nd · Up to $85,000 · City of Long Beach Housing Auth
• Pasadena FTHB
  Deferred 2nd · Up to $100,000 · Pasadena Housing & CD
• Riverside Co EDA FTHB
  Deferred 2nd · Up to $100,000 · Riverside Co Economic Dev Auth
• San Bernardino Co FTBA
  Deferred 2nd · Up to $75,000 · SB County CD
• Santa Barbara Co Housing Trust DPA
  Deferred 2nd · Up to $75,000 · SB County HTF
• USDA Section 502 Direct Loan
  subsidized direct first mortgage · Amount varies by program · USDA Rural Development
• USDA Section 502 Guaranteed Loan
  first mortgage (federally guaranteed) · Amount varies by program · USDA Rural Development (lender-issued)
• VA Native American Direct Loan (NADL)
  direct federal mortgage · Amount varies by program · U.S. Department of Veterans Affairs
• HUD Good Neighbor Next Door (GNND)
  50% purchase price discount via silent second · Amount varies by program · HUD
• HUD Section 184 Indian Home Loan Guarantee
  low-down guaranteed first mortgage · Amount varies by program · HUD Office of Native American Programs
• Self-Help Enterprises Mutual Self-Help Housing
  sweat-equity DPA + USDA 502 Direct · Amount varies by program · Self-Help Enterprises
• San Francisco Community Land Trust (SFCLT)
  shared-equity CLT · Amount varies by program · San Francisco Community Land Trust
• Bay Area Community Land Trust
  limited-equity cooperative · Amount varies by program · Bay Area CLT
• Oakland Community Land Trust
  shared-equity CLT · Amount varies by program · Oakland CLT
• Northern California Land Trust
  limited-equity / CLT · Amount varies by program · NCLT
• T.R.U.S.T. South LA
  community land trust · Amount varies by program · T.R.U.S.T. South LA
• Home Ownership Program 80% AMI (HOP80)
  deferred silent second with shared appreciation · Amount varies by program · Los Angeles County Development Authority (LACDA)
• Home Ownership Program 120% AMI (HOP120)
  deferred silent second with shared appreciation · Amount varies by program · Los Angeles County Development Authority (LACDA)
• Affordable Homeownership Program (AHOP)
  deferred silent second w/ shared equity · Amount varies by program · Los Angeles County Development Authority (LACDA)
• LA County Mortgage Credit Certificate (MCC)
  federal income tax credit · Amount varies by program · LACDA
• San Diego County DCCA (CalHome 80% AMI)
  deferred silent second · Amount varies by program · County of San Diego HCDS / administered by SDHC
• San Diego County Moderate Income DPA (120% AMI)
  deferred silent second · Amount varies by program · County of San Diego HCDS / SDHC
• San Diego County MCC
  federal income tax credit · Amount varies by program · San Diego Housing Commission (for County)
• Orange County Mortgage Assistance Program (MAP)
  silent second deferred loan · Amount varies by program · OC Housing & Community Development / Affordable Housing Clearinghouse
• Orange County MCC
  federal income tax credit · Amount varies by program · County of Orange / National Homebuyers Fund
• Riverside County FTHB Program (HOME)
  deferred forgivable loan · Amount varies by program · Riverside County Housing & Workforce Solutions
• Riverside County FTHB (PLHA)
  deferred forgivable loan · Amount varies by program · Riverside County HWS
• Riverside County FTHB (ARPA - 5th District)
  silent second forgivable · Amount varies by program · Riverside County HWS
• Riverside County MCC
  federal income tax credit · Amount varies by program · Riverside County HWS
• Inland Empire DPA Program (IEDPA)
  deferred 0% silent second · Amount varies by program · NPHS Inc. / Inland Empire Community Foundation
• San Bernardino County DPA Directory (Referral)
  referral only (county no longer directly administers DPA) · Amount varies by program · San Bernardino County Community Development & Housing
• Ventura County CalHome Deferred Loan
  deferred silent second · Amount varies by program · Ventura County Community Development Corp (VCCDC)
• Ventura County WISH
  forgivable matching grant · Amount varies by program · VCCDC / FHLB San Francisco
• Santa Barbara County Workforce Homebuyer (North County)
  deferred silent second · Amount varies by program · Housing Trust Fund of Santa Barbara County
• Santa Barbara County Workforce Homebuyer (South Coast)
  interest-only deferred (workforce/moderate) · Amount varies by program · Housing Trust Fund of Santa Barbara County
• Santa Barbara County HOME Homebuyer Program
  HOME-funded deferred loan · Amount varies by program · Santa Barbara County Housing & Community Development
• San Luis Obispo County FTHB Assistance
  deferred silent second · Amount varies by program · SLO County Planning & Building (Housing Division)
• Dana Reserve DPA
  grant / forgivable · Amount varies by program · People's Self-Help Housing / Community Foundation SLO
• Imperial County FTHB Program
  silent second deferred · Amount varies by program · Imperial County Community & Economic Development
• Imperial County HOME Investment Partnerships
  HOME-funded homebuyer assistance · Amount varies by program · Imperial County ICCED
• Kern County Closing Cost Assistance Grant
  grant · Amount varies by program · Housing Authority of County of Kern + realtor groups
• Kern/Bakersfield Hope to Home
  deferred second loan · Amount varies by program · My Way Home (VCCDC affiliate) / City of Bakersfield
• Self-Help Enterprises - Kern County
  USDA / HOME / CalHome blends · Amount varies by program · Self-Help Enterprises
• SB County GSFA Assist-to-Own (County Employees)
  DPA grant or silent second · Amount varies by program · Golden State Finance Authority (SB is GSFA Member)
• SLO County GSFA Assist-to-Own (County Employees)
  DPA grant or silent second · Amount varies by program · Golden State Finance Authority
• HomeStrong USA Veterans Home Repair
  grant (home repair, not purchase DPA) · Amount varies by program · HomeStrong USA
• Mortgage Credit Certificate (MCC) Program
  MCC (federal tax credit) · Amount varies by program · Alameda County Housing & Community Development Department (HCD)
• AC Boost Down Payment Assistance Program
  Shared appreciation silent second loan · Amount varies by program · Alameda County HCD (administered by Hello Housing)
• Contra Costa County Mortgage Credit Certificate (MCC) Program
  MCC (federal tax credit) · Amount varies by program · Contra Costa County Department of Conservation & Development
• Contra Costa Consortium HOME / CalHome Mortgage Assistance Program
  Deferred silent second loan · Amount varies by program · Community Housing Development Corporation (CHDC) on behalf of Contra Costa County Consortium
• RCF Connects First-Time Homebuyer Grant
  Grant · Amount varies by program · Richmond Community Foundation / RCF Connects (funded by U.S. Bank)
• Downpayment Assistance Loan Program (DALP)
  Silent second (shared appreciation) · Amount varies by program · San Francisco Mayor's Office of Housing & Community Development (MOHCD)
• First Responders Downpayment Assistance Loan Program (FRDALP)
  Silent second (shared appreciation) · Amount varies by program · San Francisco MOHCD
• Educators Downpayment Assistance Loan Program (Educators-DALP)
  Silent second (shared appreciation) · Amount varies by program · San Francisco MOHCD
• HEART Opening Doors First-Time Homebuyer Loan Program
  Second mortgage (amortized over 15 years) · Amount varies by program · Housing Endowment and Regional Trust (HEART) of San Mateo County / Meriwest Mortgage
• San Mateo County Reissued MCC (RMCC) Program
  MCC reissuance (federal tax credit) · Amount varies by program · County of San Mateo Department of Housing
• Employee Down Payment Assistance Program (EDPAP)
  Deferred loan · Amount varies by program · County of San Mateo - Department of Housing
• Santa Clara County Mortgage Credit Certificate (MCC)
  MCC (federal tax credit) · Amount varies by program · County of Santa Clara Office of Supportive Housing
• Santa Cruz County CalHome Mortgage Assistance Program (MAP)
  Deferred silent second loan · Amount varies by program · County of Santa Cruz Planning Department (Community Development & Infrastructure)
• Santa Cruz County Reissued MCC (RMCC) Program
  MCC reissuance (federal tax credit) · Amount varies by program · Housing Authority of the County of Santa Cruz
• Habitat Monterey Bay Mortgage Assistance Program (MAP)
  Deferred 0% loan (balloon at 30 years) · Amount varies by program · Habitat for Humanity Monterey Bay
• Monterey County First-Time Homebuyer (FTHB) Program
  Deferred silent second loan (HOME funds) · Amount varies by program · Monterey County Housing and Community Development Office
• San Benito County First-Time Homebuyer Program
  Deferred silent second loan · Up to 20% · San Benito County (administered partly through Self-Help Enterprises)
• Marin Housing Authority BMR Homeownership Program
  Below Market Rate (BMR) restricted resale (not pure DPA - homeownership-restricted units) · Amount varies by program · Marin Housing Authority (MHA)
• Napa County Proximity Workforce Housing Assistance Program
  Deferred silent second loan · Amount varies by program · Napa County Housing and Homeless Services
• Sonoma County Housing Authority Section 8 Homeownership Program
  Voucher-to-mortgage conversion · Amount varies by program · Sonoma County Community Development Commission / Sonoma County Housing Authority
• Sonoma County HAC First Time Home Buyer Loan
  Amortized second mortgage (below market) · Amount varies by program · Sonoma County (SEIU Housing Assistance Committee)
• Solano County Down Payment Assistance / Housing Resources
  Counseling + referral; CalHome/HOME deferred loans through partners · Amount varies by program · Solano County (via contracted housing counseling providers)
• SHRA CalHome First-Time Homebuyer Mortgage Assistance Program
  Deferred silent second loan · Amount varies by program · Sacramento Housing & Redevelopment Agency (SHRA)
• Sacramento Mortgage Credit Certificate (MCC) Program
  MCC (federal tax credit) · Amount varies by program · Sacramento Housing & Redevelopment Agency (SHRA)
• Yolo County Housing - housing referrals (no county-administered DPA loan)
  Referral to state/regional programs (CalHFA, GSFA) · Amount varies by program · Yolo County Housing Authority (YCH)
• El Dorado County First Time Homebuyer Loan Program
  Low-interest second mortgage (HOME/CDBG funded) · Amount varies by program · El Dorado County Housing, Community & Economic Development
• Stanislaus County Down Payment Assistance Program (DPAP)
  Forgivable/deferred second loan · Amount varies by program · Stanislaus County Planning & Community Development - CDBG/HOME
• Self-Help Enterprises Down Payment Assistance
  Deferred silent second loans (HOME/CalHome/Tri Counties Bank-funded) · Amount varies by program · Self-Help Enterprises (nonprofit, multi-county administrator)
• Merced County Homebuyer Assistance Program (HAP)
  Deferred silent second loan · Amount varies by program · Merced County / City of Merced (partner with Self-Help Enterprises)
• Fresno County First-Time Homebuyer Program
  Deferred silent second loan (HOME/CDBG/CalHome funded) · Amount varies by program · Fresno County Department of Public Works & Planning - Housing Programs
• OpenHome Down Payment Grant
  Grant (no repayment) · Amount varies by program · Fresno Housing Authority Foundation
• Tulare County / City of Tulare HOME Mortgage Assistance
  Deferred silent second loan · Amount varies by program · City of Tulare / Self-Help Enterprises (administered countywide)
• Kings County First-Time Homebuyer Program
  Deferred silent second loan · Amount varies by program · Kings County Community Development Agency (administered by Self-Help Enterprises)
• Yuba County First-Time Homebuyer Program
  Deferred second mortgage · Amount varies by program · Yuba County Community Development - Planning Department
• Butte County Homebuyer Assistance (GSFA Platinum partnership)
  Down payment grant / second loan (GSFA Platinum) · Amount varies by program · Butte County Department of Development Services / Golden State Finance Authority
• Members 1st Credit Union FHLB Middle-Income DPA
  Grant · Amount varies by program · Members 1st Credit Union (in partnership with FHLB)
• Glenn County Housing Assistance / GSFA Platinum
  Referral + GSFA grant · Amount varies by program · Glenn County HHSA Community Action - Housing Unit
• Colusa County Housing Assistance / GSFA Platinum
  Grant + second loan (GSFA Platinum) · Amount varies by program · Colusa County Community Action / Golden State Finance Authority
• RCHDC USDA Self-Help Housing / Gap Financing
  Gap financing tied to USDA 502 Direct (sweat equity) · Amount varies by program · Rural Communities Housing Development Corporation (RCHDC)
• Martis Fund Homebuyer Assistance Program
  Deferred shared-appreciation or interest-bearing second loan · Amount varies by program · Sierra Business Council (administered for Martis Fund)
• Mariposa County Housing Services
  Referral / limited HOME-funded assistance · Amount varies by program · Mariposa County Housing Services Department
• GSFA Platinum Program (statewide regional)
  Non-repayable grant + optional second loan (DPA) · Amount varies by program · Golden State Finance Authority (formerly CRHMFA Homebuyers Fund / CHF)
• Redwood Credit Union Down Payment Assistance Grant
  Forgivable grant · Amount varies by program · Redwood Credit Union (FHLB partner)
• ReCoverCA Homebuyer Assistance (HBA) Program
  Forgivable second mortgage · Amount varies by program · CalHFA / California HCD (administered locally e.g. Santa Cruz County)
• Low Income Purchase Assistance Program (LIPA)
  deferred silent second loan with shared appreciation · Amount varies by program · Los Angeles Housing Department (LAHD)
• Moderate Income Purchase Assistance Program (MIPA)
  deferred silent second loan · Amount varies by program · Los Angeles Housing Department (LAHD)
• San Diego Housing Commission First-Time Homebuyer Program (Low Income)
  deferred-payment second trust deed loan plus closing cost grant · Amount varies by program · San Diego Housing Commission (SDHC)
• San Diego Housing Commission Middle-Income Homebuyer Program
  deferred down payment loan + closing cost grant · Amount varies by program · San Diego Housing Commission (SDHC)
• Teacher Next Door (TND)
  forgivable loan · Amount varies by program · San Francisco MOHCD
• Below Market Rate (BMR) Ownership Program
  BMR (inclusionary) restricted-resale ownership · Amount varies by program · San Francisco MOHCD
• Below Market Purchase (BMP) Program
  BMR restricted-resale ownership / inclusionary · Amount varies by program · City of San Jose Housing Department
• CalHome First-Time Homebuyer Mortgage Assistance Program
  silent second deferred loan · Amount varies by program · Sacramento Housing & Redevelopment Agency (SHRA)
• Mortgage Assistance Program (MAP)
  30-year deferred second loan · Amount varies by program · City of Oakland Housing & Community Development
• Anaheim BEGIN Loan Program
  deferred second loan (BEGIN state funds) · Amount varies by program · City of Anaheim Housing Authority
• Santa Ana My First Home Program
  deferred second loan · Amount varies by program · City of Santa Ana Community Development Agency
• Berkeley First-Time Homebuyer Program
  shared-appreciation / deferred DPA loan and BMR ownership · Amount varies by program · City of Berkeley Health, Housing & Community Services
• Pasadena Affordable Homeownership Opportunities Program (AHOP) - CalHome DPA
  deferred CalHome second loan · Amount varies by program · City of Pasadena Department of Housing
• Fresno Mortgage Assistance Program
  forgivable interest-free loan · Amount varies by program · City of Fresno (Mayor's Office of Community Affairs)
• Bakersfield Hope to Home Program
  deferred loan · Amount varies by program · City of Bakersfield Economic & Community Development
• Chula Vista First-Time Homebuyer Program
  deferred second loan · Amount varies by program · City of Chula Vista (administered by San Diego Housing Commission)
• Pomona Mortgage Assistance Program (MAP) / FTHB
  deferred silent second loan with shared appreciation · Amount varies by program · City of Pomona Housing Services Division
• Hayward First-Time Homebuyer Program (FHP)
  deferred second loan · Amount varies by program · City of Hayward Housing Division
• Escondido Homebuyer Entry Loan Program (HELP)
  low-interest deferred second loan · Amount varies by program · City of Escondido Housing Division
• Sunnyvale Below Market Rate (BMR) Home Ownership Program
  BMR inclusionary ownership · Amount varies by program · City of Sunnyvale Housing Division
• Mountain View Below-Market-Rate (BMR) Housing Program
  BMR inclusionary ownership · Amount varies by program · City of Mountain View Housing Division (administered by HouseKeys)
• Santa Clara Below Market Purchase (BMP) Program
  BMR inclusionary ownership · Amount varies by program · City of Santa Clara Housing & Community Services (administered by Hello Housing)
• City of San Mateo First-Time Homebuyer Program
  deferred loan + BMR ownership · Amount varies by program · City of San Mateo Neighborhood Improvement & Housing Division
• Redwood City BMR Ownership Program
  BMR inclusionary ownership · Amount varies by program · City of Redwood City Housing Services
• City of Fremont First-Time Homebuyer Program / Below Market Price (BMP) Homes
  BMR inclusionary ownership · Amount varies by program · City of Fremont Housing Division
• Concord First-Time Homebuyer (FTHB) Program
  deferred shared-appreciation second loan · Amount varies by program · City of Concord (administered by BAAHA - Bay Area Affordable Homeownership Alliance)
• Napa Down Payment Assistance Program
  silent second deferred loan · Amount varies by program · City of Napa Housing Division
• City of Vallejo Mortgage Assistance Program
  deferred second loan + closing cost grant · Amount varies by program · City of Vallejo Housing & Community Development
• Modesto Homebuyer's Assistance Program
  low-interest gap-financing loan · Amount varies by program · City of Modesto Community & Economic Development Department
• Oxnard Homebuyer Assistance Program
  deferred second loan (multiple funding sources) · Amount varies by program · City of Oxnard Affordable Housing and Rehabilitation Division
• Norwalk First-Time Homebuyer (CalHome) Program
  deferred second loan (CalHome) · Amount varies by program · City of Norwalk Community Development
• Irvine First-Time Homebuyer Program
  deferred second mortgage · Amount varies by program · City of Irvine Community Development (administered by MDG Associates)
• City of Tracy Down Payment Assistance Program (DAP)
  deferred down payment loan · Amount varies by program · City of Tracy Housing Division
• City of Vacaville First-Time Homebuyer Program
  deferred payment loan (gap financing) · Amount varies by program · City of Vacaville Housing & Community Services
• City of Elk Grove Homebuyer Assistance Program (FTHAP)
  deferred silent second mortgage · Amount varies by program · City of Elk Grove Housing Division
• Citrus Heights First-Time Homebuyer Program
  deferred second loan · Amount varies by program · City of Citrus Heights Housing Division (administered by NeighborWorks Sacramento)
• Buena Park First-Time Homebuyer Program
  deferred second mortgage · Amount varies by program · City of Buena Park
• City of West Covina Homebuyer Assistance Program
  grant (closing cost) · Amount varies by program · City of West Covina Community Development
• El Monte Homebuyer Assistance Program
  deferred CDBG loan · Amount varies by program · City of El Monte
• City of Alhambra Down Payment Assistance Program
  deferred down payment loan · Amount varies by program · City of Alhambra Development Services Housing Division
• City of Carson Home Purchase Loan Program
  deferred second loan · Amount varies by program · City of Carson
• City of Compton First-Time Homebuyer Program
  deferred loan · Amount varies by program · City of Compton (City Manager's Grants Division)
• Ontario Keys to Community Program
  deferred DPA + rehab loan + exterior grant (stackable) · Amount varies by program · City of Ontario Housing Services
• Menifee First-Time Homebuyer Assistance Program (PLHA)
  silent second deferred loan · Amount varies by program · City of Menifee (administered by Neighborhood Partnership Housing Services)
• City of Hemet PLHA First Time Home Buyer Program
  deferred DPA loan · Amount varies by program · City of Hemet (partner: Riverside County HWS / Springboard)
• Indio Neighborhood Stabilization Program
  down payment assistance (NSP-funded) · Amount varies by program · City of Indio Housing and Neighborhood Services
• City of Chico Mortgage Subsidy Program (MSP)
  deferred payment loan · Amount varies by program · City of Chico Business Assistance & Housing Development Department
• City of Redding Homebuyer Program Loan
  deferred second loan · Amount varies by program · City of Redding Housing Division
• City of Clovis First-Time Homebuyer Program
  low-interest deferred loan · Amount varies by program · City of Clovis Affordable Housing
• City of San Marcos Down Payment Assistance Program
  CalHome simple-interest deferred second loan · Amount varies by program · City of San Marcos Affordable Housing
• El Cajon American Dream / California Dream First-Time Homebuyer Program
  shared-appreciation equity loan · Amount varies by program · City of El Cajon Housing Division
• Visalia First-Time Homebuyer Program
  silent second deferred loan · Amount varies by program · City of Visalia Housing Division
• City of Murrieta - Riverside County HOME FTHB Program
  deferred second mortgage · Amount varies by program · City of Murrieta (via Riverside County HWS)
• City of Livermore Down Payment Assistance Loan / Affordable Homeownership BMR
  deferred second loan + BMR ownership · Amount varies by program · City of Livermore Housing Division
• Costa Mesa Homebuyer Assistance Program (HAP)
  deferred DPA loan · Amount varies by program · City of Costa Mesa Housing Division
• Rancho Cucamonga Mortgage Credit Certificate / NSP Program
  MCC + Neighborhood Stabilization silent second · Amount varies by program · City of Rancho Cucamonga Planning Department
• Burbank Housing CalHome First-Time Homebuyer Down Payment Assistance Program
  deferred CalHome second loan · Amount varies by program · Burbank Housing Development Corporation (BHDC) - serves Sonoma County and partner cities
• Santa Monica Below Market Housing (BMH) Ownership Program
  BMR/inclusionary ownership · Amount varies by program · City of Santa Monica Housing & Economic Development
• USDA Rural Development 502 Guaranteed
  first_mortgage · Up to 100% · USDA Rural Housing Service
• Imperial County First-Time Homebuyer Program
  deferred_loan · Amount varies by program · Imperial County Community & Economic Development
• Dana Reserve Down Payment Assistance
  deferred_loan · Up to 10% · People's Self-Help Housing / Community Foundation SLO
• Marin Housing Authority Below Market Rate (BMR) Homeownership Program
  below_market_rate · Amount varies by program · Marin Housing Authority
• City of Davis Affordable Homeownership Program
  below_market_rate · Amount varies by program · City of Davis
• Golden 1 Credit Union On My Way Homebuyer Program
  grant · Up to $32,099 · Golden 1 Credit Union
• San Luis Obispo County Assist-to-Own (via GSFA)
  deferred_loan · Up to 5.5% · County of San Luis Obispo (admin via Golden State Finance Authority)
• SLO County Planning Department FTHB Assistance (HOME-funded)
  deferred_loan · Amount varies by program · San Luis Obispo County Planning Department - Housing Division

Multi-state programs covering California

• FHLB San Francisco WISH
  4:1 matching grant · Up to $32,837 · FHLB SF
• FHLB SF Middle-Income DPA (MIDA)
  Grant for middle-income buyers · Up to $50,000 · FHLB SF

National programs

38 federal and national programs apply in every state. See the national programs.