Programs
California Down Payment Assistance
Down payment assistance programs help qualifying California buyers cover part of the down payment or closing costs, usually through a second loan or a grant with specific eligibility and occupancy rules.
How assistance is usually structured
Most assistance comes as a subordinate loan layered behind your first mortgage, or occasionally as a grant. Repayment terms vary widely — some are deferred, some are forgivable, some are repaid on sale or refinance.
Common eligibility factors
Income limits by county, purchase price limits, homebuyer education, credit requirements, and the property being your primary residence.
Confirm current program details
Program funding, terms and availability change over time and can run out. Always verify current guidelines before building an offer around assistance.
Have a question about your situation?
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