GSFA Assist-to-Own - Placer County Employees
Deferred second loan · New construction · Income limits
Down payment assistance · Placer County
Buying a home in Granite Bay, CA
2 county programs and 54 statewide.Granite Bay has no program of its own, 2 across Placer 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 Granite Bay
No program of Granite Bay’s own yet
No program run for Granite Bay alone is listed. A home in Granite Bay can use Placer County’s programs below, plus the California statewide and federal ones.
The closest city that runs its own program is Folsom, about 6 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in PlacerAnywhere in Placer County
2 county programs2 county programs a Granite Bay homebuyer can use
1 more program is for homes in Roseville. See them 1 program in neighboring cities — for homes inside those cities, not Granite Bay
- Roseville — City of Roseville First-Time Homebuyer Program
The Granite Bay marketThe Granite Bay housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Granite Bay
- 91.9% single-familysingle-family
- 3.2% townhousetownhouse
- 0.5% 2–4 units2–4 units
- 0.6% 5+ unitscondo & apartment buildings (5+ units)
- 3.8% mobile & othermobile home & other
Condos count. All 2 of Granite Bay’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Granite Bay’s homes were built
pre-19401970s2020+
39%
of Granite Bay 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, Placer County, 4-person household (2026)
$184,606
Granite Bay median household incomeMedian household income in Granite Bay (Census, 2024)
51 of the 118 programs here set their income limit as a share of Placer County’s area median income, adjusted for household size. See the published limits for Placer County
Free help nearbyFree help near Granite Bay
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Granite Bay’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Placer County First-Time Homebuyer Loan Program asks 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
Granite Bay questions
Does Granite Bay have its own down payment program?
No program run for Granite Bay alone is listed. A home in Granite Bay can use the 2 programs that cover Placer County and the 54 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Granite Bay?
All 2 of Granite Bay’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 Placer County?
Each program sets its own. 51 of the programs here set theirs as a share of HUD’s area median income for Placer 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 Granite Bay?
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
95746
Nearby in Placer
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.