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California Down Payment Assistance Programs

The Down Payment Assistance Programs offered by state, county and city are usually secured by a second mortgage.  The second mortgage may be called a “Silent Second” which means that there are no payments required in the beginning and in some cases it will be forgiven if you live in the home for a certain number of years.  All of the Down Payment Assistance Programs primarily use an FHA mortgage to secure the first mortgage however some programs may accept different programs.

C = Conventional
F = FHA                                                       V = VA
R= USDA Rural Development


Eligible 1st MTG. LOAN TYPES
State
DAP Maximum Assistance Amount
Phone #
PROGRAM NAME
Alameda Down payment Assistance Program (DAP) F CA $50,000 (510) 749-5824
Amador County Home Investment Partnership Program (HIP) C F CA $100,000 (209) 532-8768
Anaheim American Dream Down payment Initiative (ADDI) C F CA $10,000 (714) 765-4340
Anaheim Home Program (HOME) C F CA $50,000 (714) 765-4340
Anaheim Neighborhood Stabilization Homebuyer Down Payment Assistance Program (DPA) - NSP C F V CA $125,000 (714) 765-4340
Anaheim Neighborhood Stabilization Homebuyer Down Payment Assistance Program (DPA) - NSP C,F,V CA $125,000 (714) 765-4340
Anaheim Police Residence Assistance Program (PRAP) C F CA $20,000 (714) 765-4340
Anaheim Second Mortgage Assistance Program (SMAP) AS OF 7/8/09 PROGRAM IS OUT OF FUNDS C F CA $35,000 (714) 765-4340
Arcata First Time Homebuyer Program (FTHP) - agency loan C CA $20,000 (707) 825-2112
Arcata First Time Homebuyer Program (FTHP) - city loan C CA $85,000 (707) 825-2112
Arvin First Time Homebuyer Program (FTHB) C CA $35,000 (661) 335-0528
Atascadero Moderate Income Homebuyer Program (GAP) C F CA $100,000  
Atwater Homebuyer Program (HP) C F R CA $190,430 (559) 651-1000
Avenal Homebuyer Program (HP) C F R CA $221,478 (559) 651-1000
Brawley First Time Home Buyer Down Payment Assistance Program (FTHB) F CA $50,000 (559) 683-0707
Buena Park First Time Homebuyer Program (FTHP) C F V CA $100,000 (714) 562-3538
California FHLB San Francisco/Silicon Valley Individual Development & Empowerment Account Program (IDEA) C F CA $15,000 (408) 654-4627
California School Facility Fee Down Payment Assistance Program (SFF) C F R CA $25,000 (916) 322-1353
Calpatria First time Home Buyer Assistance Loan Program (FTHB) C F CA $100,000 (760) 337-1103
Campbell Deferred Loan Program (DLP)   CA $25,000 (408) 866-2137
Carlsbad Inclusionary Housing Program (IHP) C F V CA   (760) 434-2818
Ceres First Time Homebuyer Down payment Assistance Program (DAP) C F V CA $80,000 (209) 538-5756
Chico Mortgage Subsidy Program (MSP) C F CA $45,000 (916) 895-4862
Chowchilla Homebuyer Program (HP) C F V CA $219,464 (209) 665-8615
Coalinga Down payment Assistance Program (DAP)   CA $65,000 (559) 651-1000
Corcoran Homebuyer Program (HP) C F CA $190,430 (559) 651-1000
Delano Homebuyer Program (HP) C F CA $235,584 (559) 651-1000
Dinuba Homebuyers Assistance Program (HAP) C F CA $190,430 (559) 591-5900
Dixon First Time Homebuyer Program F V CA $120,000 (707) 678-7000
Dublin Below Market Rate First Time Homebuyer Loan Program (BMR) C F CA $62,550 (925) 833-6610
Dublin Market Rate First Time Homebuyer Loan Program (MRK) C F CA $78,100 (925) 833-6610
East Palo Alto Inclusionary Housing Down Payment Assistance Program (DPA) C F CA $40,000 (650) 853-3120
El Centro First Time Homebuyer Program (FTHB) F CA $50,000 (760) 337-4751
El Dorado County Homebuyer Program (HP) C F V CA $80,000 (530) 621-6163
Emeryville Below Market Rate Units HELP Program (HELP) C F V CA $80,000 (510) 596-4316
Emeryville Below-Market Rate Units First Time Homebuyer Program (BMFTHP) C CA $66,740 (510) 596-4316
Emeryville First Time Homebuyer Program (FTHP) C CA $77,145 (510) 596-4316
Emeryville Ownership Housing Assistance Program (OHAP) C CA $110,000 (510) 596-4316
Fairfield BMR Loan Program (DAP) C F V CA $30,000 (707) 428-7457
Fairfield CalHOME First time Homebuyer Program (CalHOME) C F V CA $40,000 (707) 428-7457
Fairfield NSP Homebuyer Acquisition Assistance Program (NSP) C,F CA   (707) 428-7457
Farmersville Homebuyer Program C F CA $190,430 (559) 651-1000
Firebaugh First Time Home Buyer Assistance Program (FTHB) C F CA $200,246 (866) 449-2600
Foster City Advantage Plus Program (DAP) C F CA $5,000 (650) 802-5045
Foster City Homebuyer Advantage Program C F CA $75,000 (650) 802-5045
Fremont First Time Homebuyer Programs (FTHB) - Welcome Home/Welcome to the Neighborhood C F CA $40,000 (510) 494-4500
Fresno County Homebuyer Assistance Program (HAP)   CA $57,950 (5590 262-4292
Fresno County Neighborhood Stabilization Program (NSP) C,F CA   (559) 262-4292
Garden Grove First Time Homebuyer Program (ADDI) C F CA $32,772 (562) 696-3200
Gilroy Homebuyer Assistance Program (HAP) C F CA $50,000 (408) 846-0290
Greenfield First Time Homebuyer Program (FTHB) C F V CA $50,000 (831) 674-5591
Hanford First Time Homebuyers Program (RDA) C F CA $100,000 (559) 585-2587
Hawthorne First Time Homebuyer Program (FTHP) C F CA $80,000 (310) 970-7086
Hercules First Time Homebuyer Program (FTHBP) C F CA $75,000 (510) 245-6517
Hesperia First Time Homebuyer Down payment Assistance Program (DAP) C F CA $115,000 (760) 947-1909
Hollister Second Down payment Assistance Program (DAP) C V CA $50,000 (831) 636-4316
Holtville First Time Homebuyer Assistance Loan Program (FTHB) Shared Appreciation C F V CA $100,000 (760) 337-1103
Holtville First Time Homebuyer Program C F V CA $100,000 (760) 337-1103
Hughson Homebuyer Program (HP) C F CA $191,412 (559) 651-1000
Humboldt County Homebuyer Program (HP) F CA $207,117 (707) 445-7745
Huron Homebuyer Program (HP) C F CA $200,246 (559) 651-1000
Imperial County Imperial Valley Housing Authority/Rabobank NA Individual Development & Empowerment Account Program (IDEA) C F CA $15,000 (760) 351-7000
Inyo County First Time Homebuyer Program (FTHP) C F CA $235,584 (800) 541-1822
Kings County Homebuyer Program (HP) C F CA $190,430 (559) 651-1000
La Mesa Down payment & Closing Cost Assistance Loan Program (DCCA) F CA $120,000 (619) 667-1192
Lake County First time Homebuyer Program (FTHB) C F CA $152,475 (530) 751-0952
Lemoore First Time Homebuyer Grant Program (DAP) C F R CA $30,000 (559) 924-6702
Lincoln First Time Homebuyer Down Payment Assistance Loan Program (DPA) - shared appreciation C F R CA $40,000 (916) 434-2447
Lincoln First Time Homebuyer Down Payment Assistance Loan Program (DPA) - simple interest F CA $100,000 (916) 645-3320
Lindsay First Time Homebuyers Program (FTHB) C F CA $60,000 (559) 562-7117
Livermore ADDI Program C F V CA $15,000 (925) 373-5699
Livermore CalHOME Program C F V CA $15,000 (925) 373-5699
Livermore Mortgage Assistance Program (MAP) C F V CA $30,000 (925) 373-5699
Livingston Homebuyer Program (HP) C F CA $235,584 (559) 651-1000
Long Beach Housing Development Company Down payment Assistance Program (DAP) C F CA $10,000 (562) 570-6949
Los Angeles Purchase Assistance Loan Program (PALP) C F CA $118,785 (213) 808-8972
Los Angeles Purchase Assistance Program (ADDI) C F CA $35,055 (213) 808-8972
Los Angeles Walk In Purchase Assistance Program (WIP) - NSP C F V CA $75,000 (213) 808-8963
Mammoth Lakes BEGIN Homebuyer Program (BEGIN) C CA $30,000 (760) 934-8989
Mammoth Lakes Homebuyer Program (HP) C CA $200,000 (760) 934-8989
Manteca City Manteca First Time Home Buyer Down Payment Assistance Program (DAP) C F V CA $60,000 (209) 825-2564
Menlo Park Purchase Assistance Loan (PAL) C F CA $75,000 (650) 330-6728
Merced County First Time Homebuyer Program (FTHP) C F CA $190,430 (559) 651-1000
Modesto American Dream Down payment Initiative Program (ADDI) C F CA $10,000 (209) 577-5344
Modesto Down Payment Assistance Program (DPAP) C F V CA $60,000 (209) 577-5344
Monterey County Community Housing Trust of Monterey County Inc Down payment Assistance Program (DAP) C CA $50,000 (408) 843-9207
Monterey Down Payment Assistance Program (DPA) C F CA $50,000 (831) 646-3728
Monterey HOME Down Payment Assistance Program (HOME) C F CA $213,988 (831) 646-3728
Morgan Hill Police Officer Housing Assistance Program (HAP) C CA $60,000 (408) 776-7373
Multi Counties Sacramento Neighborhood Housing Services Inc Down Payment Assistance Program (DPA)   CA $10,000 (916) 452-5356
Multi Counties Neighborhood Housing Services of the Inland Empire Inc (NHSIE) CalHome Program (CalHome) C CA $25,000 (909) 884-6891
Multi Counties Neighborhood Housing Services of the Inland Empire Inc Home Start Program (DAP) C CA $20,000 (909) 884-6891
Multi Counties Neighborhood Partnership Housing Services Inc Vineyard Bank Family Fund Program (GAP) C CA   (909) 988-5979
Multi Counties Richmond Neighborhood Housing Services, Inc. Purchase Plus Program (PPP) C CA   (510) 237-6459
Napa CalHome First Time Homebuyer Program (CalHome) C F CA $35,000 (707) 257-9254
Napa First Time Homebuyer (FTHB) HOME Down Payment Assistance Program (DAP) C F V CA $159,600 (707) 257-9254
Nevada County Down payment Assistance Program (DAP) C F CA $100,000 (530) 265-1388
Oakdale HOME First Time Homebuyer Program C F R CA $50,000 (209) 845-3625
Oakland Public Safety Officer/Teacher/Communications Dispatcher Down Payment Assistance Program (DAP) C F CA $20,000 (510) 238-6984
Oroville First Time Homebuyer Program (FTHB) C F CA $126,000 (530) 538-2538
Oroville Redevelopment Agency First Time Homebuyer Program (FTHB) C F CA $50,000 (530) 538-2538
Oxnard CalHome Mortgage Assistance Program (CalHome) C F CA $30,000 (805) 385-7400
Oxnard Historical Enhancement & Revitalization of Oxnard (HERO) C F CA $10,000 (805) 385-7400
Oxnard Resale Housing Conditional Matching Grant Program (GRANT) C F CA $10,000 (805) 385-7400
Paradise HOME First Time Home Buyer Program (FTHB) C F V CA $50,000 (530) 872-6222
Parlier Homebuyer Program (HP) C F CA $200,246 (559) 651-1000
Parlier Joe Serna Jr Farm worker Housing Grant Program (SERNA) C F V R CA $50,000 (559) 646-3545
Petaluma First Time Homebuyers Program (FTHP) F CA $145,000 (770) 778-4563
Placer County First Time Homebuyer Program (HBP) C F V CA $150,000 (530) 745-3168
Pleasanton Down Payment Assistance Program (DPA) C F CA $60,000 (925) 931-5007
Redding Down payment Assistance Program (DAP) C F V CA $60,000 (530) 225-4045
Redlands First Time Homebuyer Program (FTHB) C F CA $75,000 (909) 335-4755
Ripon Below Market Rate Program (BMR) C F CA $250,000 (209) 599-2108
Ripon Gap Down Payment Assistance Program (GAP) C CA $60,000 (209) 599-2108
Riverside County Redevelopment Homeownership Program (RHP) C F V CA $75,000 (951) 955-3920
Rocklin First Time Homebuyers Down Payment Assistance Program (FTHB) C F CA $85,890 (916) 625-5130
Rosemead Down Payment Assistance Loan Program (DPAL) C F V CA   (626) 569-2102
Roseville First Time Homebuyer Program (FTHP) C F V CA $120,000 (916) 774-5446
Sacramento County Neighborhood Housing Services Inc NeighborWorks CalHOME Program (CalHOME) C,F CA $25,000 (916) 452-5356
Sacramento County Section 32 Homeownership Program (HP) C F CA $208,500 (916) 264-1524
Sacramento County Target Area Homebuyer Program (TAHP) C F CA $5,000 (916) 264-1522
Sacramento County/City CalHome First Time Homebuyer Mortgage Assistance Program (CalHOME) C F CA $56,000 (916) 264-1524
Sacramento County/City First Time Home Buyer Program (FTHP) As of 03/16/09 ONLY COUNTY FUNDS ARE AVAILABLE FOR UNINCORPORATED AREAS F CA $40,000 (916) 2641524
Sacramento Mortgage Assistance Program (MAP) C F CA $20,000 (916) 264-1524
San Carlos Down payment Assistance Loan Program (DAL) C CA $55,000 (650) 802-5045
San Diego (SDHC) CalHOME Deferred Payment 3% Interest Loan (CHDPL) C F V CA $38,000 (619) 578-7491
San Diego (SDHC) HOME Deferred Payment 3% Interest Loan (HDPL) C F V CA $94,525 (619) 578-7491
San Diego City Heights CHW Home in the Heights Program (HHP) C F CA $30,000  
San Diego County Section 8 Homeownership Down payment & Closing Costs Assistance Program (Sec8/DCCA) C F CA $70,000 (858) 694-8709
San Diego Down Payment Assistance Grant Program (DPAG) F CA $15,000 (619) 578-7491
San Francisco Building Equity & Growth in Neighborhood Program (BEGIN) C F V CA $30,000 (415) 749-2560
San Francisco HomeBricks Inc Mortgage Assistance Program (MAP) C CA   (415) 495-4663
San Francisco Police in the Community Program (PIC) C F V CA $20,000 (415) 701-5548
San Francisco Teacher Next Door Loan Program (TND) C F V CA $20,000 (415) 701-5548
San Joaquin County GAP Loan Program (GAP) C F CA $85,000 (209) 468-3157
San Joaquin First Time Homebuyer Down payment Assistance Program (FTHB) C,F CA $75,000 (559) 693-4311
San Jose Building Equity & Growth In Neighborhoods (BEGIN) C F CA $30,000 (408) 975-4468
San Jose CalHOME Welcome HOME Loan Assistance Program (CalHOME) C F V CA $25,000 (408) 975-4468
San Jose Downtown High-Rise Homebuyer Program (DHR) C F V CA $60,000 (408) 975-4468
San Jose First-time Homebuyer Program (HP) C F V CA $25,000 (408) 975-4468
San Jose SJSC Faculty Homebuyer Program (FHP) C F CA $60,000 (408) 975-4468
San Jose Teachers Homebuyer Program (THP) C F CA $65,000 (408) 975-4468
San Leandro First Time Homebuyer Program (FTHB) C F CA $30,000 (510) 577-6001
San Marcos Mortgage Assistance Program (MAP) C F CA $70,000 (760) 744-1050
San Pablo First Time Homebuyer Program (FTHP) C F CA $200,000 (510) 215-3000
Sanger First Time Homebuyers Down payment Assistance Program (DAP) C F CA $15,000 (559) 876-6300
Santa Cruz County First Time Home Buyer Program (FTHB) C CA $106,250 (831) 454-2280
Santa Cruz County Sheriff Workforce Housing Pilot Program C CA $150,000 (831) 454-2322
Santa Cruz HOME Funds Program (HOME) C F CA $50,000 (831) 420-5109
Santa Paula First Time Homebuyer Program (FTHP) C F CA $40,000 (805) 525-0626
Santa Rosa American Dream Down payment Initiative Program (ADDI) C F V CA $10,000 (707) 543-3315
Seaside Down Payment Assistance Program (DPA) C F CA $75,000 (831) 899-6886
Shasta Lake First Time Homebuyer Acquisition Program (FTH) C F CA $80,000 (530) 275-7464
Solano County Vallejo NHS Inc Solano Association Of Realtors Closing Cost Assistance Program (SAOR/HAF) C CA $7,500 (707) 552-4663
Sonora Homebuyers Assistance Loan Program (HAP) (2nd Lien) C F V CA $80,000 (209) 532-3508
Sonora Homebuyers Assistance Loan Program (HAP) (3rd Lien) C F V CA $20,000 (209) 532-3508
South Lake Tahoe First Time Homebuyer Assistance Program (FTHB) C F CA $155,000 (530) 542-6157
Stanislaus County Down Payment Assistance Program (DPAP) F CA $75,000 (209) 523-6330
Stockton Down Payment Assistance Program (DAP) F V CA $14,475 (209) 937-8851
Suisun City Foreclosure First Time Homebuyer Program (FTHP) C F CA   (707) 421-7347
Sunnyvale First Time Homebuyer Down Payment Assistance Loan (DPAL) C F CA $50,000 (408) 730-7812
Tracy Downtown Revitalization Program (DAP) C F CA $75,000 (209) 831-6416
Turlock First Time Home Buyers Program (FTHB) C F CA $90,000 (209) 668-5610
Ukiah Down Payment Assistance Program (DAP) C F V CA $219,464 (707) 463-5462
Upland First Time Home Buyers Program (FTHB) C F CA $122,337 (909) 931-4113
Vallejo Down Payment Assistance Program (DPA) Gift C F V CA $25,000 (707) 552-4663
Vallejo Down Payment Assistance Program (DPA) Loan C F V CA $116,008 (707) 552-4663
Vallejo Supplemental Deferred Down Payment Assistance Program (DPA) C F V CA $50,000 (707) 552-4663
Visalia First Time Homebuyer Assistance Program (HAP) C F CA $40,000 (559) 713-4361
Wasco Homebuyer Program (HP) C F V CA $125,000 (661) 758-7224
Watsonville Down payment Assistance Program (DAP) C F CA $50,000 (831) 768-3094
Watsonville First Time Homebuyer Program (FTHP) C F V CA   (831) 728-6014
West Sacramento Inclusionary Housing Homeownership Program (IHHP) C F V CA $25,000 (916) 617-4555
Winters Homebuyer Program C F V CA $60,000 (530) 795-4910
Winters Public Safety Personnel & Teachers Home Purchase Assistance Program (DAP) C F V CA $70,000 (530) 795-4910
Woodlake Homebuyer Program (HP) C F V CA $221,478 (209) 564-8055
Woodland Building Equity & Growth In Neighborhoods Program (BEGIN) - Russell Ranch Development F V CA $30,000 (530) 661-5820
Woodland First Time Homebuyer Program (HOME) C F V CA $199,413 (916) 452-5356
Woodland Tax Increment Homebuyer Program (HP) C F V CA $75,000 (916) 452-5356
Yolo County Mercy Housing California Down Payment Assistance Program for First Time Homebuyers (FTHB) F CA $150,000 (916) 414-4412

 

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