CALIFORNIA HOME BUYER PROGRAM
First Time Buyer.
No Down Payment.
Afford more than you imagined with asFIND MY DOWN
little as 0% down on mortgages up to $484,350
Takes two minutes. Find your down payment assistance.
Find the Lowest Down Payment
Down Payment Assistance Can Help
Assistance Up To $24,200
First Time Buyer or NON First Time Buyer with 600 credit score use this assistance for the down payment and closing costs, up to 5% of loan amount.
First Time Buyer & More
First Time Buyer? You do not have to be a first time buyer to qualify. This program is available to all home buyers.
FHA Loans + More
Conventional, FHA, VA, and USDA 30-year mortgages are allowed with down payment assistance.
No Down Payment
Down Payment Assistance Programs provide the down payment to help you buy your next dream home.
How it works
Choose your best option
It all starts here by choosing a down payment assistance program option, grab FHA/Conventional Loan, that best fits your home purchase.
Compare down payment options
Jason Whigham will provide you an easy to follow estimate with First time buyer loan program, interest rate, monthly mortgage payment and cash to close. Ask About our Preferred Realtor Jenifer Whigham with Keller Williams of El Dorado Hills CA. She will negotiate seller credits to offset your closing cost!
Once you know your options you submit an application to become pre-approved.
Frequently Asked Questions
Q: How does a home buyer qualify for Down Payment Assistance (DPA) Programs?
First Time Buyer or Non First Time Buyer must have qualifying income, meet 600 credit score and occupy as primary residence. Ask your loan officer for additional qualifications.
Q: How much DPA funds are available for my down payment?
Up to $24,200. The of DPA funds available will depend on program and option you choose. We review all these options with you.
Q: Do you offer a FHA Loan with DPA?
Yes, FHA is an excellent choice. We also offer Conventional, VA, and USDA 30-year mortgages. Each loan is paired with the down payment assistance program.
Q: Can down payment assistance help me buy a home?
Yes, Califonia’s Golden State Finance Authority (GSFA) created the Platinum Program, which provides low-to-moderate income California homebuyers with down payment and/or closing cost assistance to help them achieve their goals of purchasing a home.
Q: What kind of home loan is used with First Time Buyer and NON First Time Buyer DPA Programs?
DPA programs can offer Conventional, FHA, VA and USDA loans.
Q: What is the first step to take advantage of down payment assistance?
Start with “FIND MY DOWN” answer the questions, connect with Jason Whigham our down payment assistance/First Time Buyer and Non First Time Buyer specialist and have your options emailed to you.