Central Valley Coalition for Affordable Housing DPA
Deferred second loan · New construction · Income limit 80% of AMI
Single-family (1-4 unit), FHA-approved condominium, townhome/PUD
See details Jul 2026
Down payment assistance · California
Buying a home in San Joaquin County, CA
2 county-wide programs, plus 43 statewide and 62 nationwide.San Joaquin has 2 programs that cover the whole county. On top of those, 43 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in San JoaquinAnywhere in San Joaquin County
2 programs for every San Joaquin address2 programs that cover every San Joaquin address
All 2 are for first-time homebuyers and ask for a homebuyer class.These are run for the whole county, so a home in Stockton, Tracy or Manteca can use them. All 2 are for first-time homebuyers and ask for a homebuyer class.
San Joaquin County GAP Loan Program
Deferred second loan · New construction · Income limit 80% of AMI
Single-family (1-4 unit), FHA-approved condominium, townhome/PUD
See details Jul 2026
AMI is HUD’s area median income for San Joaquin, adjusted for household size. Each program publishes its own dollar limits.
The San Joaquin marketThe San Joaquin housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in San Joaquin
- 74.6% single-familysingle-family
- 5.4% townhousetownhouse
- 5% 2–4 units2–4 units
- 11.8% 5+ unitscondo & apartment buildings (5+ units)
- 3.2% mobile & othermobile home & other
Condos count. All 2 county-wide programs list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When San Joaquin’s homes were built
pre-19401970s2020+
44.2%
of San Joaquin 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.
$108,100
HUD area median income, 4 people (FY2026)HUD area median income, San Joaquin County, 4-person household (FY2026)
$92,179
Median household income (ACS 2024 5-year)Median household income in San Joaquin (Census ACS 2024 5-year)
62%
of occupied homes are owner-occupied (California: 55.9%)
The two income figures measure different things. HUD’s area median income is the one programs use. 43 of the 107 programs here set their income limit as a share of San Joaquin County’s area median income, adjusted for household size. See the published limits for San Joaquin County
Free help in San JoaquinFree help in San Joaquin
1 HUD-approved counseling agency with an office in the county1 HUD-approved housing counseling agency with an office in San Joaquin County
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Counted from HUD’s list of approved agencies: active offices whose ZIP code is in San Joaquin County.
19 cities and placesA to Z
All cities in San Joaquin CountyAll 19 cities and places in San Joaquin County
San Joaquin questions
Can I use a county program anywhere in San Joaquin?
The 2 county-wide programs cover homes anywhere in the county. City programs are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in San Joaquin County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do San Joaquin programs accept condos?
All 2 county-wide programs list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in San Joaquin?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency has an office in San Joaquin County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
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), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.