Down payment assistance in Stanislaus County, California

2 county-wide programs listed for Stanislaus County, plus 41 statewide California programs that also apply here. Every amount and rule below comes from the provider's published terms.

Stanislaus County programs

• Self-Help Enterprises Homebuyer Assistance
  CalHome Silent Second (multi-county) · Up to $38,000 · Self-Help Enterprises (CHDO nonprofit)
• Stanislaus County Down Payment Assistance Program (DPAP)
  Forgivable/deferred second loan · Amount varies by program · Stanislaus County Planning & Community Development - CDBG/HOME

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
• 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

National programs

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