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California Grants
There are many grants available in this State to assist a home buyer
purchase a home. By using these grants it makes it possible to purchase a home
with little or no money down.
Below is a list of some of the grants available, as well as contact information for each. Some are State sponsored grants. Some are sponsored on the county or municipality level.
Understand that many of these grants have limited funding, and most have income restrictions, so it is important to work with your mortgage lender and the non profit administering the grant program to ensure availability of funds.
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State Sponsored |
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Bank Sponsored Matching Funds Programs |
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Community/local Sponsored Grants |
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Seller Funded Down Payment Assistance Programs |
State Sponsored
The State of California offers several grants through the California Housing Financing Agency. Below is a link to the State’s web site:
http://www.calhfa.ca.gov/homebuyer/programs/index.htm
Bank Sponsored Matching Funds Programs
Banks that are members of the Federal Home Loan Banking system also offer IDA savings accounts. Visit the Regional Federal Home Loan Bank web site for more information.
http://www.fhlbsf.com/ci/grant/idea/default.asp
Community/local Sponsored Grants
Alameda Down payment Assistance Program (DAP)
(510) 749-5824
Anaheim Home Program (HOME)
(714) 765-4340
Anaheim Police Residence Assistance Program (PRAP) (714) 765-4340
Anaheim Second Mortgage Assistance Program (SMAP)
(714) 765-4340
Brentwood Police Officer Recruitment Incentive Program (BPOAP)
(925) 516-5195
California Gold Taxable MRB Second Mortgage Loan Program (SML) (916) 444-2615
California School Facility Fee Down Payment Assistance Program (DPA)
(916) 322-1353
Campbell Deferred Second Loan Program (DSLP)
(408) 299-5142
Chico Mortgage Subsidy Program (MSP)
(916) 895-4862
Coalinga Down payment Assistance Program (DAP)
(559) 935-1533
Concord First Time Homebuyer Program (FTHB)
(925) 671-3325
Costa Mesa Homebuyer Assistance Program (HAP)
(714) 754-5692
Culver City Mortgage Assistance Program (MAP)
(310) 253-5780
Del Norte/Humboldt Yurok Indian Housing Authority Down payment Assistance Gift
(707) 482-1506
Dinuba Homebuyer Assistance Program (HAP)
(559) 591-5900
Dixon Down Payment Assistance Program (DPA)
(707) 678-7000
El Cajon 120% First Time Homebuyer Program (FTHB)
(619) 441-1768
El Cajon 80% First Time Homebuyers Program (FTHB)
(619) 441-1768
El Monte Down Payment Assistance Program (DPAP)
(626) 580-2070
Emeryville First Time Homebuyer Program (FTHP) Moderate Income
(510) 596-4316
Fairfield City-Wide In-fill Housing Silent Loan Program (FSLP-2nd)
(707) 428-7457
Fairfield City-Wide In-Fill Housing Silent Loan Program (FSLP-3rd)
(707) 428-7457
Fremont Adams Ave Home Project Second Mortgage (SM)
(510) 494-4520
Fremont First Time Homebuyer Programs (FTHB)
(510) 494-4506
Fresno CalHome Mortgage Assistance Program (MAP)
(559) 262-4292
Fresno County Down payment Assistance Program (DAP)
(559) 262-4292
Fresno County- Economic Opportunities Commission Refugee Individual
Development Account (IDA)
(559) 263-1065
Fresno Downpayment Assistance Program (DAP)
(559) 498-4815
Grand Terrace Affordable Housing Program (AHP)
(909) 825-3825
Hanford Home Sweet Home Program (Home)
(559) 585-2587
Hawthorne First Time Homebuyer Program (FTHP)
(310) 970-7086
Hayward First Time Homebuyer Program (FHP)
(510) 583-4244
Hesperia First Time Homebuyer Down payment Assistance Program (DAP)
(760) 947-1907
Imperial First Time Home Buyer Program (FTHB)
(760) 355-4373
La Quinta Home Purchase Program (HPP)
(714) 541-4585
Lincoln Homebuyer Mortgage Program
(800) 995-0431
Livermore Down Payment Assistance (DAP)
(925) 373-5699
Livermore Down Payment Assistance Program (DAP) Ten Year Amortization Second Loan
(925) 373-5699
Long Beach Housing Development Company Down payment Assistance Program (DAP)
(562) 570-6949
Los Angeles County Home Ownership Program (HOP)
(213) 890-7248
Los Angeles County Montebello Housing Development Corporation Calhome
FTHB Mortgage Assistance Program (MAP)
(323) 722-3955
Madera County Homebuyer Assistance Program (HAP)
(559) 675-7821
Manteca City Manteca First Time Home Buyer Assistance Program (DAP)
(209) 239-8427
Mendocino County Down Payment Assistance Program (DPAP)
(707) 463-5462
Mendocino County Individual Development Empowerment Account Program (IDEA)
(707) 462-0522
Mendota First Time Homebuyers Program (FTHP)
(559) 655-3291
Merced County First Time Homebuyer Program (FTHP)
(209) 385-7654
Merced First Time First Time Home Buyer Grants Program (FTHB)
(209) 385-6863
Modesto Down Payment Assistance Program (DPAP) (209) 577-5310
Monterey County First Time Home Buyers Program (FTHB)
(831) 786-1357
Monterey Down Payment Assistance Program (DAP)
(831) 646-3728
Napa First Time Homebuyer Loan Program (FTHB)
(707) 257-9543
National City First-Time Homebuyer Program (FTHP)
(619) 336-4250
Nevada County Down payment Assistance Program (DAP)
(530) 265-1388
Norco First Time Homebuyer Program (FTHB)
(909) 270-5645
Oakland "Public Safety Officer/Teacher/Communications Dispatcher Down Payment Assistance Program" (DAP)
(510) 238-3909
Oakland Mortgage Assistance Program (MAP)
(510) 238-3344
Oroville First Time Homebuyer Program (FTHB)
(530) 538-2495
Oroville First Time Homebuyer Program (FTHB)
(530) 538-2495
Oxnard Historical Enhancement & Revitalization of Oxnard (HERO)
(805) 385-7400
Oxnard Resale Housing Conditional Matching Grant Program (GRANT)
(805) 385-7400
Palmdale Mortgage Assistance Program (MAP)
(661) 267-5126
Pasadena Homeownership Opportunities Program (HOP)
(626) 744-8316
Pasadena Neighborhood Housing Services Inc CalHome First Time Homebuyer Program (FTHP)
(626) 744-4141
Paso Robles CalHome Program (CalHome)
(805) 237-3970
Placer County First Time Homebuyer Assistance Program (FTHB)
(530) 889-4246
Pomona Calhome First Time Home Buyer Program (FTHB)
(909) 620-3630
Porterville First Time Low Income Home Buyer Program (FTHB)
(559) 782-7460
Rancho Cucamonga First Time Homebuyer Program
(909) 884-6891
Redding Down payment Assistance Program (DAP)
(530) 225-4173
Redlands First Time Homebuyer Program (FTHB)
(909) 884-6891
Richmond In-Fill Homeowner Assistance Program (INFILL)
(510) 307-8151
Rio Vista First Time Home Buyer Program (FTHB)
(707) 374-6451
Ripon Gap Down Payment Assistance Program (GAP)
(209) 599-2108
Riverside CalHome Mortgage Assistance Program (MAP)
(909) 341-6511
Riverside County Individaul Development Account (IDA)
(909) 955-4900
Rocklin First Time Homebuyers Down Payment Assistance Program (FTHB)
(800) 995-0431
Roseville First Time Homebuyer Program (FTHP)
(916) 774-5446
Round Valley Indian Housing Homebuyer Assistance Program (HAP)
(707) 983-6188
Sacramento CalHome First Time Homebuyer Mortgage Assistance Program (MAP)
(916) 264-1522
Sacramento County and City First Time Home Buyer Program (FTHP)
(916) 264-1524
Sacramento County and City Homebuyers Assistance Program (HAP)
(916) 264-1524
Sacramento County MCC Expanded Teacher Home Purchase First Time Homebuyer Program (FTHB)
(916) 264-1524
Sacramento County MCC Expanded Teacher Home Purchase Homebuyer Assistance Program (HAP)
(916) 264-1524
Sacramento Mortgage Assistance Program (MAP) (916) 264-1522
Salinas First Time Homebuyer Down payment Assistance Program
(408) 758-7334
San Diego County San Diego Neighborhood Housing Services CalHome Program (CalHome)
(619) 282-6647
San Diego Down Payment Assistance Grant Program (DPAG)
(619) 578-7491
San Diego Neighborhood Housing Services Cost Assistance Support for Homebuyers Program (CASH)
(619) 282-6647
San Fernando First Time Homebuyer Program (FTHP)
(818) 898-1233
San Francisco First Time Homebuyer Program (FTHB)
(415) 252-3177
San Joaquin County GAP Loan Program (GAP)
(209) 468-3157
San Jose Neighborhood Housing Services of Silicon Valley, "The Vernal Fund" Mortgage Assistance Program (MAP)
(408) 272-2878
San Jose Teachers Homebuyer Program (THP)
(408) 277-8486
San Leandro First Time Homebuyer Program (FTHB)
(510) 577-6002
San Marcos Down Payment Assistance Loan Program (DPAL)
(760) 744-1050
San Mateo County Start Program 2nd Lien
(650) 802-5033
San Mateo County StartPLUS 3rd Lien
(650) 802-5033
San Mateo Countywide Home Investment Partnership Program (CHIP)
(650) 522-7223
San Mateo First Time Home Buyer Program (FTHB)
(650) 522-7220
Sanger First Time Homebuyers Program (FTHP)
(559) 876-6329
Santa Clara County Deferred Closing Cost Program (DCCP)
(408) 299-5142
Santa Clara County Second Loan Program for Teachers (SLPT)
(408) 441-4260
Santa Cruz County First Time Home Buyer Program (FTHB)
(408) 454-2280
Seaside First Time Home Buyer Program
(831) 899-6728
Shasta County Down Payment Assistance Program (DAP)
(530) 245-6431
Simi Valley Closing Cost Grant Assistance (GRANT)
(805) 583-6853
Simi Valley First Time Homebuyer Assistance Program (FTHB)
(805) 583-6853
Sonoma County Employee Second Mortgage Program (ESMP)
(707) 565-7500
South Lake Tahoe First Time Homebuyer Assistance Program (FTHB)
(530) 542-6157
Stanislaus County Down Payment Assistance Program (DPA)
(209) 525-6330
Stanislaus County Public Facilities Fee Deferral Program (PFF)
(209) 523-6330
Tulare County First Time Homebuyer Program
(559) 733-6291
Turlock First Time Home Buyers Program (FTHB)
(209) 668-5610
Ukiah Down Payment Assistance Program (DAP)
(707) 463-5462
Upland Primary Assistance Loan Program (PAL)
(909) 931-4113
Vacaville Down Payment Assistance Loan Program (DPAL)
(707) 449-5687
Ventura First Time Home Buyer Grants Program (HBAP)
(805) 654-0038
Victorville Mortgage Assistance Program (MAP)
(760) 955-5032
Visalia Homebuyer Assistance Program (HAP)
(559) 738-3460
Waterford First Time Home Buyer Assistance Program (DAP)
(916) 725-1181
Watsonville Down payment Assistance Program (DAP)
(831) 728-6014
Watsonville First Time Home Buyer Program (FTHP)
(831) 728-6014
Woodlake First Time Home Buyer Grants Program (HAP)
(209) 564-8055
Yuba City First Time Homebuyer Assistance Program (FTHB)
(530) 822-4697
Seller Funded Down Payment Assistance Programs
There are several non profit organizations that allow a seller to “donate” funds to them at closing, which is then given to the buyer as a down payment assistance grant. Presently, the federal government is reviewing these programs to determine whether this practice is an acceptable lending practice. By using one of these programs it is possible to purchase a home with little or no money. The seller needs to be a motivated seller, and the home needs to be priced correctly. Usually the sales price is inflated to cover the “donation”. The home must be able to appraise at the inflated price. These programs are initiated by the lender, so it is important to work with a local lender before you start looking for a home. The lender will also know how present legislation is affecting the program. The two most commonly used programs are The American Dream DAP and The Nehemiah DAP. Below are links to their web site.
American Dream: http://www.americandreamdownpaymentassistance.com/dpa_app.cfm
Nehemiah Corp:
http://www.nehemiahcorp.org/
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