Deferred second loan
City of Elk Grove 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 · Sacramento County
Buying a home in Elk Grove, CA
1 Elk Grove program, 6 county programs and 54 statewide.Elk Grove has 1 program of its own, 6 more 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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Only for Elk Grove addresses
Elk Grove’s own program
Anywhere in SacramentoAnywhere in Sacramento County
6 county programs6 county programs a Elk Grove homebuyer can also 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
2 more programs are for homes in Folsom and Rancho Cordova. See them 2 programs in neighboring cities — for homes inside those cities, not Elk Grove
- Folsom — City of Folsom Down Payment Assistance Program
- Rancho Cordova — City of Rancho Cordova First-Time Homebuyer Program
The Elk Grove marketThe Elk Grove housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Elk Grove
- 86.1% single-familysingle-family
- 3% townhousetownhouse
- 1.4% 2–4 units2–4 units
- 8.7% 5+ unitscondo & apartment buildings (5+ units)
- 0.7% mobile & othermobile home & other
Condos count. 6 of Elk Grove’s 7 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 Elk Grove’s homes were built
pre-19401970s2020+
9.3%
of Elk Grove 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)
$125,924
Elk Grove median household incomeMedian household income in Elk Grove (Census, 2024)
56 of the 123 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 Elk Grove
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies within 15 miles
6 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.6 of the 7 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
Elk Grove questions
Does Elk Grove have its own down payment program?
Yes, one: City of Elk Grove First-Time Homebuyer Assistance Program, a deferred second loan for first-time homebuyers (new construction, income limits). It is for homes inside Elk Grove.
Can I use assistance on a condo in Elk Grove?
6 of Elk Grove’s 7 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. 56 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 Elk Grove?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Elk Grove. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
95624 · 95758 · 95759
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.