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Down payment assistance

Down payment assistance in Florence-Graham, CA

148 programs a Florence-Graham buyer could use — grants, forgivable loans, and tax credits. Free to explore, no SSN, no credit pull.

Free forever · No credit pull · 90 seconds

Programs available
148

Programs available

Open to first-time buyers
87

Open to first-time buyers

Forgivable
95

Forgivable

Largest award
$200,000

Largest award

148 programs

In Los Angeles County

39 programs

City of Rosemead Community Development Homeownership Assistance Program

Up to $200,000

Shared-appreciation loan · Income limits

First-time
Verified Jun 2026

City of Lancaster First-Time Homebuyer Assistance

Up to $150,000

Deferred second loan · Forgiven over 15 yrs · Income limits

First-time
Verified Jun 2026

Habitat LA Downpayment Assistance Program

Up to $100,000

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

Home Ownership Program (HOP120)

Up to $100,000

Shared-appreciation loan · Forgiven over 30 yrs · Income limits

First-timeVeterans
Verified Jun 2026

Los Angeles LIPA Program

Up to $90,000

Deferred second loan · Income limits

First-time
Verified Jun 2026

City of Downey First-Time Homebuyer Program

Up to $60,000

Deferred second loan · Forgiven over 30 yrs · Income limits

First-time
Verified Jun 2026

City of Long Beach First-Generation Homebuyer Grant

Up to $25,000

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

Los Angeles County Mortgage Credit Certificate Program

Up to $2,000

Assistance grant · New construction · Income limits

First-time

California Community Foundation HomeownerSHIP Program - LA

Grant

Assistance grant · New construction · Income limits

First-time

City of Azusa First-Time Homebuyer Program

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

City of Baldwin Park First-Time Homebuyer Program

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

City of Burbank First-Time Homebuyer Program

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

City of Carson First-Time Homebuyer Program

Deferred

Deferred second loan · New construction · Income limits

First-time

City of Culver City First-Time Homebuyer Program

Deferred

Deferred second loan · New construction · Income limits

First-time

City of El Monte First-Time Homebuyer Program

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

City of Glendale Homebuyer Assistance Program

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

City of Inglewood First-Time Homebuyer Program

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

City of La Puente CalHome Loan Program

0.4% of price

Deferred second loan · Income limits

First-time
Verified Jun 2026

City of Montebello Homebuyer Assistance Program

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

City of Norwalk First-Time Homebuyer Program

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

City of Palmdale First-Time Homebuyer Program

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

City of Pasadena ARPA Homebuyer Assistance

Forgivable

Forgivable loan · Forgiven over 15 yrs · Income limits

First-time

City of Pasadena First Time Homebuyer Program (HOP)

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

City of Pomona First-Time Homebuyer Program

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

City of Santa Monica Below Market Rate Homeownership Assistance

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

City of Whittier First-Time Homebuyer Assistance

Deferred

Deferred second loan · New construction · Income limits

First-time

First Time Home Buyer Program (FTHB)

Deferred

Deferred second loan · New construction · Income limits

First-time

GSFA Assist-to-Own - Los Angeles County Employees

5.5% of price

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

GSFA Platinum Grant - Los Angeles County Specific

5.5% of price

Assistance grant · New construction · Income limits

Verified Jun 2026

Habitat for Humanity of Greater Los Angeles - Homeownership Program

Grant

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

Housing Authority of the City of Los Angeles (HACLA) Homeownership Program

Grant

Assistance grant · New construction · Income limits

First-time

Housing Rights Center Los Angeles First-Time Homebuyer Program

Deferred

Deferred second loan · New construction · Income limits

First-time

LA County Housing Authority Section 8 Homeownership Voucher Program

Grant

Assistance grant · New construction · Income limits

First-time

LA County LACDA Home Ownership Program (HOP)

20% of price

Shared-appreciation loan · New construction · Income limits

First-time
Verified Jun 2026

Long Beach First Time Homebuyer Assistance Program

Grant

Assistance grant · Income limits

First-time
Verified Jun 2026

Los Angeles Community Land Trust (LACLT) - Homeownership

Assistance

Shared-appreciation loan · New construction · Income limits

First-time

Los Angeles MIPA (Moderate Income Purchase Assistance) Program

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

NHS Neighborhood Housing Services Los Angeles County

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

USC Faculty & Staff Housing Program (FSH) One-Time Subsidy

Grant

Assistance grant · Income limits

Educators
Verified Jun 2026

Across California

60 programs

California Dream For All

Up to $150,000

Shared-appreciation loan · Income limits

First-time
Verified Jun 2026

Wells Fargo NeighborhoodLIFT - Bay Area California

Up to $25,000

Forgivable loan · Forgiven over 5 yrs · Income limits

First-time

Bank of America Down Payment Grant - California

Up to $10,000

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

Wells Fargo Homebuyer Access Grant - California

Up to $10,000

Assistance grant · New construction · Income limits

Verified Jun 2026

Bank of America America's Home Grant - California

Up to $7,500

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

Chase Homebuyer Grant - California DDA Areas ($7,500)

Up to $7,500

Assistance grant · New construction · Income limits

Verified Jun 2026

Citi HomeRun Mortgage + Lender Credit - California

Up to $7,500

Assistance grant · New construction · Income limits

Verified Jun 2026

Chase Homebuyer Grant - California ($5,000)

Up to $5,000

Assistance grant · New construction · Income limits

Verified Jun 2026

Wells Fargo Dream.Plan.Home. Closing Cost Credit - California

Up to $5,000

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

Bay Equity Home Loans CalHFA DPA Partner

3.5% of price

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

CalCon Mutual Mortgage HomeStar Grant

Grant

Assistance grant · New construction · Income limits

CalHFA CalPLUS Conventional + ZIP Combined Program

3% of price

Deferred second loan · Forgiven over 3 yrs · Income limits

First-time
Verified Jun 2026

CalHFA CalPLUS FHA + ZIP Combined Program

3% of price

Deferred second loan · Forgiven over 3 yrs · Income limits

First-time
Verified Jun 2026

CalHFA Dream For All Shared Appreciation Loan

20% of price

Shared-appreciation loan · New construction · Income limits

First-time
Verified Jun 2026

CalHFA Forgivable Equity Builder Loan (FEBL)

10% of price

Forgivable loan · Forgiven over 5 yrs · Income limits

First-time
Verified Jun 2026

CalHFA Mortgage Credit Certificate (MCC) Program

20% of price

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

CalHFA MyAccess Assistance Program

3.5% of price

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

CalHFA MyHome Assistance Program

3.5% of price

Deferred second loan · Income limits

First-time
Verified Jun 2026

CalHFA School Teacher and Employee Assistance Program (STEAP)

3% of price

Deferred second loan · New construction · Income limits

First-timeEducators
Verified Jun 2026

CalHFA USDA Program with MyHome

3.5% of price

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

CalHFA VA Loan Program with MyHome

3.5% of price

Deferred second loan · New construction · Income limits

First-timeVeterans
Verified Jun 2026

CalHFA ZIP Program

3% of price

Forgivable loan · Forgiven over 30 yrs · Income limits

Verified Jun 2026

California FarmLink Farmworker Homeownership Program

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

CalSTRS CalPATH Teacher Home Loan and DPA - California

3.5% of price

Deferred second loan · New construction · Income limits

First-timeEducators
Verified Jun 2026

Chenoa Fund FHA Forgivable DPA (3.5% - 36 month)

3.5% of price

Forgivable loan · Forgiven over 3 yrs · Income limits

Verified Jun 2026

Chenoa Fund FHA Rate Advantage (Forgivable 3.5%)

3.5% of price

Forgivable loan · Forgiven over 3 yrs · Income limits

Verified Jun 2026

Chenoa Fund FHA Repayable DPA (3.5%)

3.5% of price

Assistance grant · New construction · Income limits

Fannie Mae HomePath Ready Buyer Program - California

3% of price

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

Fannie Mae HomeReady DPA (Participating Lender Grants)

Grant

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

FHLBank San Francisco Affordable Housing Program (AHP) Set-Aside

Grant

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program

Grant

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

FHLBank San Francisco WISH Program (Workforce Initiative Subsidy for Homeownership)

Grant

Assistance grant · Forgiven over 5 yrs · Income limits

First-time

Freddie Mac BorrowSmart Access (California)

Grant

Assistance grant · New construction · Income limits

First-time

Golden State Finance Authority (GSFA) OpenDoors Conventional DPA

5% of price

Assistance grant · New construction · Income limits

Verified Jun 2026

Golden State Finance Authority (GSFA) OpenDoors FHA DPA

5% of price

Assistance grant · New construction · Income limits

Verified Jun 2026

GSFA Assist-to-Own Program (County Employees)

5.5% of price

Deferred second loan · New construction · Income limits

Verified Jun 2026

GSFA OpenDoors Program

7% of price

Deferred second loan · New construction · Income limits

Verified Jun 2026

GSFA Platinum Forgivable Loan

5.5% of price

Forgivable loan · Forgiven over 3 yrs · Income limits

Verified Jun 2026

GSFA Platinum Grant Program

5.5% of price

Assistance grant · New construction · Income limits

Verified Jun 2026

HCD CalHome Program (Direct State Allocation - Various Counties)

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

HomeFundIt Crowdfunding Down Payment Platform - California

Grant

Assistance grant · New construction · Income limits

Verified Jun 2026

HomeFundMe by CMG Financial (Crowdfunding DPA)

Grant

Assistance grant · New construction · Income limits

loanDepot Grand Slam Grant Program

Grant

Assistance grant · New construction · Income limits

MassHousing Operation Welcome Home (California Veterans)

Grant

Assistance grant · New construction · Income limits

NACA Purchase Program - California

Deferred

Deferred second loan · New construction · Income limits

Verified Jun 2026

NHF Sapphire Grant Program - California

5% of price

Assistance grant · New construction · Income limits

Verified Jun 2026

NHF Sapphire Grant Program - FHA (California)

5% of price

Assistance grant · New construction · Income limits

Verified Jun 2026

Pacific Premier Bank Community Homebuyer Grant

Grant

Assistance grant · New construction · Income limits

First-time

Patelco Credit Union CalHFA Partnership DPA

3.5% of price

Deferred second loan · New construction · Income limits

First-time

ReCoverCA Homebuyer Assistance Program (DR-HBA)

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

Verified Jun 2026

Redwood Credit Union Community Fund Down Payment Assistance

5% of price

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

Rural California Housing Corporation (RCHC) DPA

Deferred

Deferred second loan · New construction · Income limits

First-time

Self-Help Enterprises Down Payment Assistance - Central Valley

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

Self-Help Enterprises Homeownership Program (San Joaquin Valley)

Deferred

Deferred second loan · New construction · Income limits

First-time

Springboard CDFI California Homebuyer Assistance

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

Tri Counties Bank / Self-Help Enterprises DPA - Central Valley

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

U.S. Bank Access Home Loan - California

3% of price

Assistance grant · New construction · Income limits

Verified Jun 2026

UC Systemwide Mortgage Origination Program (UC MOP)

100% of price

Assistance grant · New construction · Income limits

Verified Jun 2026

USDA Section 502 Guaranteed Loan - Rural California

100% of price

Assistance grant · New construction · Income limits

Veterans Land Board of Texas Home Loan (CA Veteran Alternative)

Grant

Assistance grant · New construction · Income limits

Federal

49 programs

American Pacific Mortgage 1% Home Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide

American Pacific Mortgage Pathway DPA

Deferred

Deferred second loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

BluePoint Mortgage Zero-Down Home Loan

0.035% of price

Deferred second loan · Income limits

Nationwide
Verified Jun 2026

BNY Down Payment Assistance

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

Chico Rancheria Housing Corporation Homebuyer Assistance

0.25% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Confederated Tribes of Grand Ronde Down Payment Assistance

0.2% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

CrossCountry Mortgage Community Promise

Grant

Assistance grant · Income limits

NationwideTargeted area

CrossCountry Mortgage Non-QM loans

Grant

Assistance grant

Nationwide
Verified Jun 2026

CrossCountry Mortgage Smart Start Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwideTargeted area

Direct Mortgage Loans Go Direct FHA 100% Financing

0.035% of price

Deferred second loan · Income limits

Nationwide

Empowered DPA Program Down Payment Assistance

Deferred

Deferred second loan · Income limits

Nationwide
Verified Jun 2026

Guild Mortgage 1% Down Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Guild Mortgage 3-2-1 Home Plus Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

Guild Mortgage Doctor and Medical Professionals Program

Grant

Assistance grant

Nationwide

Guild Mortgage MyPath2Own Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwide

Guild Mortgage Zero Down Mortgage Program

Deferred

Deferred second loan · Income limits

First-timeNationwideTargeted area

Lakeview National Down Payment Assistance Homeownership Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

Land Home Financial Services, Inc. House2Home Program

Deferred

Deferred second loan · Income limits

Nationwide

Lennar Mortgage Advantage Plus Program

Grant

Assistance grant · New construction

Nationwide
Verified Jun 2026

Lennar Mortgage Breathe Easy Program

Grant

Assistance grant · New construction

Nationwide

Luminate Bank Luminate PATH National DPA Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

NACA Homeownership through Public Housing Assistance (HOT-PHA)

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

NACA's New Construction Homes

Grant

Assistance grant · New construction · Income limits

Nationwide

NASA FCU $0 Down, No PMI Mortgage Purchase

Grant

Assistance grant

Nationwide
Verified Jun 2026

Navy Federal Credit Union Homebuyers Choice Loan

Grant

Assistance grant

First-timeNationwideVeterans
Verified Jun 2026

Navy Federal Credit Union Military Choice Loan

Grant

Assistance grant

NationwideVeterans
Verified Jun 2026

New American Funding Pathway to Homeownership

Grant

Assistance grant · Income limits

First-timeNationwide

North Fork Rancheria Indian Housing Authority Down Payment Assistance Program

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Northern Circle Indian Housing Authority Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Northpointe Bank ONE+ Loan Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

PNC Bank Low to Moderate Income Borrower Grant

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

PNC Bank PNC Grant

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jun 2026

Primary Residential Mortgage Down Payment Program

Deferred

Deferred second loan · Income limits

Nationwide
Verified Jun 2026

Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

Rocket Mortgage ONE+ By Rocket Mortgage Program

0.02% of price

Assistance grant · Income limits

Nationwide
Verified Jun 2026

Siletz Tribal Housing Department Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

State Department Federal Credit Union First-Time Homebuyer Mortgage

Grant

Assistance grant

First-timeNationwide
Verified Jun 2026

Tricon Down Payment Assistance Program

Deferred

Deferred second loan · Income limits

Nationwide

Tyndall Federal Credit Union $1,000 Off Closing Cost

Grant

Assistance grant

Nationwide
Verified Jun 2026

Tyndall Federal Credit Union $450 Closing Cost

Grant

Assistance grant

Nationwide
Verified Jun 2026

U.S. Department of Housing and Urban Development (HUD) Good Neighbor Next Door

0.5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

NationwideEducators
Verified Jun 2026

U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

U.S. Department of Housing and Urban Development HCV Homeownership Program

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

U.S. Department of the Interior Indian Affairs Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

U.S. Department of Veterans Affairs Native American Direct Loan

Grant

Assistance grant · Income limits

NationwideVeterans
Verified Jun 2026

U.S. Department of Veterans Affairs Specially Adapted Housing (SAH) Grant

Grant

Assistance grant · Income limits

NationwideVeterans

U.S. Department of Veterans Affairs VA-backed Purchase Loan

Grant

Assistance grant · Income limits

NationwideVeterans
Verified Jun 2026

USDA Rural Development Single Family Housing Guaranteed Loan Program

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

USDA Single Family Housing Direct Home Loan (Section 502 Direct)

USDA Rural Development (Vermont/New Hampshire State Office)

First mortgage

First mortgage · New construction · Income limits

Nationwide
Verified Jun 2026

90-second match

Not sure which you qualify for?

Answer 9 questions and we'll match you to every program you can actually use — in about 90 seconds. No SSN, no credit pull.

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Questions, answered

The honest answers first

Do I need to share my SSN or get a credit check?
No. Exploring programs on Hey Prescott is free and anonymous — no Social Security number, no credit pull. You only share details when you choose to apply with a lender.
Is this free?
Yes. Browsing programs and getting matched is free. Hey Prescott is not a lender and never charges you to use it.
Are these all the programs?
We list active programs we've verified for Florence-Graham and California, refreshed regularly. New programs are added as agencies publish them — check back as your search continues.
Can I use more than one?
Often, yes. Many buyers combine ("stack") a grant or forgivable second with a statewide or federal program. Stacking and eligibility rules are set by each administering agency.
How current is this?
We re-verify programs regularly; each program card shows the date it was last verified. Always confirm the latest terms on the official program site before you apply.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.