Stanislaus County First-Time Homebuyer DPA Program
Deferred second loan · New construction · Income limits
Down payment assistance · Stanislaus County
Buying a home in Keyes, CA
1 county program and 54 statewide.Keyes has no program of its own, 1 across Stanislaus 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 Keyes
No program of Keyes’s own yet
No program run for Keyes alone is listed. A home in Keyes can use Stanislaus County’s programs below, plus the California statewide and federal ones.
The closest city that runs its own program is Turlock, about 6 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in StanislausAnywhere in Stanislaus County
1 county program1 county program a Keyes homebuyer can use
5 more programs are for homes in Modesto, Patterson, Riverbank and Turlock. See them 5 programs in neighboring cities — for homes inside those cities, not Keyes
The Keyes marketThe Keyes housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Keyes
- 83% single-familysingle-family
- 0% townhousetownhouse
- 0% 2–4 units2–4 units
- 0% 5+ unitscondo & apartment buildings (5+ units)
- 17% mobile & othermobile home & other
Condos count. Keyes’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Keyes’s homes were built
pre-19401970s2020+
39.5%
of Keyes 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.
$94,600
County area median income, 4 people (HUD)HUD area median income, Stanislaus County, 4-person household (2026)
$64,524
Keyes median household incomeMedian household income in Keyes (Census, 2024)
51 of the 117 programs here set their income limit as a share of Stanislaus County’s area median income, adjusted for household size. See the published limits for Stanislaus County
Free help nearbyFree help near Keyes
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Keyes’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Stanislaus County First-Time Homebuyer DPA 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
Keyes questions
Does Keyes have its own down payment program?
No program run for Keyes alone is listed. A home in Keyes can use the 1 program that cover Stanislaus County and the 54 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Keyes?
Keyes’s one local program accepts 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 Stanislaus County?
Each program sets its own. 51 of the programs here set theirs as a share of HUD’s area median income for Stanislaus 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 Keyes?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Keyes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
95328
Nearby in Stanislaus
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.