Deferred second loan
City of Chico First-Time Homebuyer Assistance Program
First-time homebuyers · New construction · Income limits · Single-family (1-4 unit), FHA-approved condominium, townhome/PUD
Down payment assistance · Butte County
Buying a home in Chico, CA
2 Chico programs, 1 county program and 54 statewide.Chico has 2 programs of its own, 1 more across Butte 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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Only for Chico addresses
Chico’s own programs
Deferred second loan
City of Chico First-Time Homebuyer Program
First-time homebuyers · New construction · Income limits · Single-family (1-4 unit), FHA-approved condominium, townhome/PUD
Anywhere in ButteAnywhere in Butte County
1 county program1 county program a Chico homebuyer can also use
1 more program is for homes in Paradise. See them 1 program in neighboring cities — for homes inside those cities, not Chico
- Paradise — Town of Paradise First Time Home Buyer Program
The Chico marketThe Chico housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Chico
- 49.7% single-familysingle-family
- 4.7% townhousetownhouse
- 15.9% 2–4 units2–4 units
- 25.3% 5+ unitscondo & apartment buildings (5+ units)
- 4.3% mobile & othermobile home & other
Condos count. All 3 of Chico’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Chico’s homes were built
pre-19401970s2020+
44.5%
of Chico 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.
$89,400
County area median income, 4 people (HUD)HUD area median income, Butte County, 4-person household (2026)
$66,977
Chico median household incomeMedian household income in Chico (Census, 2024)
53 of the 119 programs here set their income limit as a share of Butte County’s area median income, adjusted for household size. See the published limits for Butte County
Free help nearbyFree help near Chico
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 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
Chico questions
Does Chico have its own down payment program?
Yes, 2: City of Chico First-Time Homebuyer Assistance Program and City of Chico First-Time Homebuyer Program. Each is for homes inside Chico.
Can I use assistance on a condo in Chico?
All 3 of Chico’s local and county programs accept condos. 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 Butte County?
Each program sets its own. 53 of the programs here set theirs as a share of HUD’s area median income for Butte 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 Chico?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
95926 · 95927 · 95928 · 95929 · 95973 · 95976
Nearby in Butte
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.