First-Time Home Buyer Programs in California
Down payment assistance, low-down-payment loans, and a licensed broker who explains every step without the pressure.
Down payment assistance programs
Up to $150,000 in some California counties
FHA, conventional, VA, and USDA loan options
Multiple paths to homeownership — we find the best fit for you
Free pre-approval — know your budget before you shop
No credit impact. Results in as little as 24 hours.
What type of loan do you need?
Start with the closest match. You can adjust details later.
Eligibility & Requirements
Program rules vary — here's what you need to know going in.
- No first-time buyer requirement for FHA or VA loans (open to all)
- CalHFA programs require first-time buyer status (no home owned in last 3 years)
- Income limits apply to most down payment assistance programs
- Minimum credit scores vary: 580+ for FHA, 620+ for conventional
- Homebuyer education course required for most DPA programs
- Primary residence only — not for investment properties
Down Payment Assistance in California
California has some of the strongest first-time buyer assistance programs in the country — but funding windows open and close quickly. Here's a breakdown of the main options.
CalHFA MyHome Assistance
A deferred-payment second mortgage that covers up to 3.5% of the purchase price for your down payment or closing costs. No monthly payment — it's repaid when you sell, refinance, or pay off the first mortgage.
California Dream For All
A shared appreciation loan covering up to 20% of the purchase price. The state shares in the appreciation when you sell — no monthly payments required on the assistance portion. Lottery-based access; watch for reopening windows.
County & City Programs
Many California counties and cities — including Los Angeles, San Diego, Fresno, and Sacramento — operate their own DPA programs with grants or forgivable loans. Some reach up to $150,000. Availability varies widely by location and funding cycles.
FHA, VA & USDA Loans
Government-backed loans offer low down payments independently of DPA programs. FHA: 3.5% down with 580+ credit. VA: $0 down for eligible veterans. USDA: $0 down in qualifying rural areas. These can be stacked with assistance programs.
Program availability changes frequently. A licensed broker review is the fastest way to see which programs you currently qualify for.
Frequently Asked Questions
Ready to Find Out What You Qualify For?
A licensed California mortgage broker reviews your situation — no pressure, no obligation, no credit pull to get started.