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.
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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
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