GSFA Assist-to-Own - Sacramento County Employees
Assistance grant · New construction · Income limits
Down payment assistance · Sacramento County
Buying a home in Carmichael, CA
6 county programs and 54 statewide.Carmichael has no program of its own, 6 across Sacramento County, and 54 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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What’s local to Carmichael
No program of Carmichael’s own yet
No program run for Carmichael alone is listed. A home in Carmichael can use Sacramento County’s programs below, plus the California statewide and federal ones.
The closest city that runs its own program is Rancho Cordova, about 2 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in SacramentoAnywhere in Sacramento County
6 county programs6 county programs a Carmichael homebuyer can use
- GSFA Assist-to-Own - Sacramento County EmployeesGrant
- GSFA Platinum Grant - Sacramento County SpecificGrant
- Habitat for Humanity Greater Sacramento - Homeownership ProgramGrant
- NeighborWorks Sacramento - Down Payment AssistanceDeferred
- Northern Circle Indian Housing Authority Wilton Rancheria First-Time Home Buyers AssistanceGrant
- SHRA Mortgage Credit Certificate (MCC) Program - SacramentoTax credit
3 more programs are for homes in Elk Grove, Folsom and Rancho Cordova. See them 3 programs in neighboring cities — for homes inside those cities, not Carmichael
- Elk Grove — City of Elk Grove First-Time Homebuyer Assistance Program
- Folsom — City of Folsom Down Payment Assistance Program
- Rancho Cordova — City of Rancho Cordova First-Time Homebuyer Program
The Carmichael marketThe Carmichael housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Carmichael
- 55.2% single-familysingle-family
- 6.9% townhousetownhouse
- 10.7% 2–4 units2–4 units
- 26.2% 5+ unitscondo & apartment buildings (5+ units)
- 1.1% mobile & othermobile home & other
Condos count. 5 of Carmichael’s 6 local and county programs accept condos. Habitat for Humanity Greater Sacramento - Homeownership Program lists habitat-built single-family home.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Carmichael’s homes were built
pre-19401970s2020+
70.5%
of Carmichael homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$124,000
County area median income, 4 people (HUD)HUD area median income, Sacramento County, 4-person household (2026)
$85,914
Carmichael median household incomeMedian household income in Carmichael (Census, 2024)
55 of the 122 programs here set their income limit as a share of Sacramento County’s area median income, adjusted for household size. See the published limits for Sacramento County
Free help nearbyFree help near Carmichael
5 HUD-approved counseling agencies within 15 miles5 HUD-approved housing counseling agencies within 15 miles
5 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.5 of the 6 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across California and nationwide
116 statewide & federal programs54 statewide programs, plus federal options
Carmichael questions
Does Carmichael have its own down payment program?
No program run for Carmichael alone is listed. A home in Carmichael can use the 6 programs that cover Sacramento County and the 54 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Carmichael?
5 of Carmichael’s 6 local and county programs accept condos. Habitat for Humanity Greater Sacramento - Homeownership Program lists habitat-built single-family home. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Sacramento County?
Each program sets its own. 55 of the programs here set theirs as a share of HUD’s area median income for Sacramento County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Carmichael?
HUD-approved housing counseling agencies teach homebuyer classes, and 5 agencies are within 15 miles of Carmichael. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
95608 · 95609
Nearby in Sacramento
Sources
Sources: agency sites (June–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.