Down payment assistance in Napa County, California

2 county-wide programs and 1 program limited to specific cities listed for Napa County, plus 44 statewide California programs that also apply here. Every amount and rule below comes from the provider's published terms.

Napa County programs

• 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
  City-limited program, not countywide
• Napa County Proximity Housing Homebuyer's Assistance
  Deferred Workforce Loan · Up to 16.5% · Napa County
• Napa County Proximity Workforce Housing Assistance Program
  Deferred silent second loan · Amount varies by program · Napa County Housing and Homeless Services

California statewide programs (apply here too)

• 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
• CalHFA Forgivable Equity Builder Loan
  Forgivable Loan · Up to 10% · California Housing Finance Agency
• CalHFA School Teacher and Employee Assistance Program (STEAP)
  Occupation-Based Deferred Silent Second · Up to 3.5% · 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 $50,000 · 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)
• Forgivable Equity Builder Loan
  forgivable loan · 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

National programs

38 federal and national programs apply in every county. See the national programs. See all of California's programs.