Homebuyer Assistance Programs

Statewide and Regional Programs

California Housing Finance Agency (CalHFA) – homebuyer programs, including downpayment and closing cost assistance, and foreclosure prevention resources.

California Affiliates of Habitat for Humanity: – through volunteer labor, builds and rehabilitates houses for families in need.

U.S. Department of Agriculture Rural Housing – homebuyer programs in rural communities

State of California Housing and Community Development

HUD Approved Housing Counseling Agencies

Community Contacts – find out if your community offers homeownership assistance

CalVet Home Loans – for Veterans to buy a home in California


Special Programs

VA Loans: For veterans of our armed services, this loan requires no down payment and no mortgage insurance. Veterans can purchase a new house with little upfront money and without the burden of mortgage insurance.

Teachers: Teachers and other employees at high priority schools may receive a maximum of $15,000 or 3% of the sales price. This is a state program through CalHFA.

Reverse Mortgages: Seniors who have enough equity in their homes may qualify for this mortgage. The loan pays you a lump sum or eliminates mortgage payments.

Lift Program: Some lenders offer up to $30,000 of down payment assistance for borrowers who qualify. Program is subject to availability of funds.