Down Payment Assistance Programs in California

Down Payment Assistance products offered in California include, CalHFA, GSFA Platinum, Santa Cruz County Association of Realtors Housing Foundation (SCCARHF) Closing Costs Assistance Grant Program, City of Carpinteria Workforce Homebuyer Program, CHENOA Fund Program, and the Within Reach Program. To see which program may be right for you, get started on your application today!

City of Carpinteria Workforce Homebuyer Down Payment Loan Program

Availability: Carpinteria, CA

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Cottage Health Mortgage Assistance Program

Availability: California

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Cottage Health Shared Appreciation Loan

Availability: California

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Golden State Finance Authority (GSFA) Platinum

Availability: California

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Santa Cruz County Association of Realtors Housing Foundation (SCCARHF) Closing Costs Assistance Grant Program

Availability: Santa Cruz County, CA

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Within Reach Program

Availability: California

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Some program restrictions and requirements apply. Loan program availability is subject to change without notice. Some programs may have a first-time homebuyer requirement. The type of DPA and lien position will vary for each loan program. OnQ0328180681Y000003h2Su

Loan down payment example is based on a 30 year fixed conventional mortgage loan with 4.0% down (provided through the Down Payment Assistance program). Amounts are based on loan amount of $200,000, interest rate of 5.375%, APR of 6.190%, $6,551 due from borrower at closing ($8,000 down payment paid through down payment assistance program). Approximate monthly payment of $1525. All amounts shown are estimates provided for educational and comparison purposes only and will vary for each loan. Borrower will be responsible for down payment beyond what is provided by the program as well as any fees and costs associated with the loan. Down payment assistance may come in the form of a forgivable or non-forgivable lien. Income and geographic restrictions apply. Homebuyer education may be required for certain payment assistance programs. Program availability is subject to change without notice. Additional restrictions may apply. On Q Financial, Inc. is an Equal Housing Lender. Loan amounts and fees will vary based on program used. Loan Amounts on FHA Scenario’s include an FHA 1.75% upfront fee. Loan Amounts on VA scenario’s include a 2.15% VA Funding Fee (Based on Regular Military 1st time usage)-No down payment required unless sales price exceeds appraised value. A USDA Guarantee fee will be charged and financed into the loan. The USDA Guarantee Fee is 1% of the loan amount and the USDA Annual Fee is 0.35% as of 06/01/2018. The USDA Annual Fee is to be paid monthly as part of the mortgage payment.