Down payment assistance income limits in California
368 down payment assistance programs in California publish an income limit, a purchase price cap, or both.
Every figure below is the limit the administering agency publishes. Limits are revised as area incomes and local prices move, so confirm current figures with the agency before relying on them.
Area median income by county
HUD's published four-person area median income for each California county. A program that sets its limit at a percentage of area median income applies that percentage to the figure for the county where the home is, adjusted for household size.
| County | Published | 4-person median |
|---|---|---|
| Alameda | 2026 | $162,800 |
| Alpine | 2026 | $124,800 |
| Amador | 2026 | $110,500 |
| Butte | 2026 | $89,400 |
| Calaveras | 2026 | $102,600 |
| Colusa | 2026 | $91,400 |
| Contra Costa | 2026 | $162,800 |
| Del Norte | 2026 | $91,300 |
| El Dorado | 2026 | $124,000 |
| Fresno | 2026 | $91,300 |
| Glenn | 2026 | $84,100 |
| Humboldt | 2026 | $85,700 |
| Imperial | 2026 | $75,500 |
| Inyo | 2026 | $96,300 |
| Kern | 2026 | $81,900 |
| Kings | 2026 | $84,900 |
| Lake | 2026 | $72,400 |
| Lassen | 2026 | $86,200 |
| Los Angeles | 2026 | $108,100 |
| Madera | 2026 | $82,200 |
| Marin | 2026 | $200,800 |
| Mariposa | 2026 | $95,600 |
| Mendocino | 2026 | $99,100 |
| Merced | 2026 | $75,800 |
| Modoc | 2026 | $75,300 |
| Mono | 2026 | $120,400 |
| Monterey | 2026 | $110,500 |
| Napa | 2026 | $165,400 |
| Nevada | 2026 | $140,400 |
| Orange | 2026 | $138,600 |
| Placer | 2026 | $124,000 |
| Plumas | 2026 | $93,500 |
| Riverside | 2026 | $106,500 |
| Sacramento | 2026 | $124,000 |
| San Benito | 2026 | $121,800 |
| San Bernardino | 2026 | $106,500 |
| San Diego | 2026 | $130,900 |
| San Francisco | 2026 | $200,800 |
| San Joaquin | 2026 | $108,100 |
| San Luis Obispo | 2026 | $129,600 |
| San Mateo | 2026 | $200,800 |
| Santa Barbara | 2026 | $118,600 |
| Santa Clara | 2026 | $205,500 |
| Santa Cruz | 2026 | $137,200 |
| Shasta | 2026 | $97,100 |
| Sierra | 2026 | $88,000 |
| Siskiyou | 2026 | $78,500 |
| Solano | 2026 | $120,300 |
| Sonoma | 2026 | $133,400 |
| Stanislaus | 2026 | $94,600 |
| Sutter | 2026 | $101,900 |
| Tehama | 2026 | $86,500 |
| Trinity | 2026 | $79,200 |
| Tulare | 2026 | $76,400 |
| Tuolumne | 2026 | $102,200 |
| Ventura | 2026 | $135,600 |
| Yolo | 2026 | $129,600 |
| Yuba | 2026 | $101,900 |
Published limits by program
| Program | Income limit | Price cap |
|---|---|---|
| AC Boost - Alameda County Down Payment AssistanceAlameda | 150% of area median income150% AMI; 4-person household limit ~$177,500 (2026 Alameda Co. AMI) | $1.0M |
| Affordable Homes Inland Empire (AHIE) DPASan Bernardino | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $500,000 |
| Amador County Homebuyer Assistance ProgramAmador | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $550,000 |
| American Pacific Mortgage 1% Home ProgramStatewide · Statewide | See programAt or below 80% area median income (per HomeReady/Home Possible) | — |
| American Pacific Mortgage Pathway DPAStatewide · Statewide | See programPer FHA/Conv/VA/USDA lender guidelines | — |
| Bank of America America's Home Grant - California | 80% of area median incomeContact program provider for current income limits | — |
| Bank of America Down Payment Grant - California | 80% of area median incomeContact program provider for current income limits | — |
| Bay Equity Home Loans CalHFA DPA Partner | 150% of area median incomeWorkforce/moderate income: household income ≤150% AMI | — |
| BluePoint Mortgage Zero-Down Home LoanStatewide · Statewide | See programPer FHA underwriting guidelines | — |
| BNY Down Payment AssistanceStatewide · Statewide | See programLow-to-moderate income or LMI/SPCP census tract | — |
| Burbank Housing Homeowner Down Payment Assistance ProgramMulti-County · Sonoma | 1% of area median incomeLow- to moderate-income per California HCD CalHome (up to 120% AMI for disaster-displaced) | — |
| Butte County HOME First-Time Homebuyer AssistanceButte | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $450,000 |
| C.A.R's Housing Affordability Fund (HAF) Pathway to Home Closing Cost Assistance Grant ProgramStatewide · Statewide | 1% of area median incomeLow-to-moderate income (120% AMI and below) | — |
| Calaveras County Down Payment Assistance ProgramCalaveras | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| CalHFA CalPLUS Conventional + ZIP Combined Program | 150% of area median incomeContact program provider for current income limits | $765,000 |
| CalHFA CalPLUS FHA + ZIP Combined Program | 150% of area median incomeContact program provider for current income limits | $765,000 |
| CalHFA Dream For All Shared Appreciation Loan | 120% of area median incomeVaries; see program guidelines - income qualification through first mortgage lender | $765,000 |
| CalHFA Forgivable Equity Builder Loan (FEBL) | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $765,000 |
| CalHFA Mortgage Credit Certificate (MCC) Program | 115% of area median incomeContact program provider for current income limits | $765,000 |
| CalHFA MyAccess Assistance Program | 120% of area median incomeContact program provider for current income limits | $765,000 |
| CalHFA MyHome Assistance Program | 120% of area median incomeIncome limits vary by county and household size; based on CalHFA county-specific AMI limits. Contact a CalHFA-approved lender for exact limits by county. | $765,000 |
| CalHFA School Teacher and Employee Assistance Program (STEAP) | 120% of area median incomeContact program provider for current income limits | $765,000 |
| CalHFA USDA Program with MyHome | 115% of area median incomeContact program provider for current income limits | — |
| CalHFA VA Loan Program with MyHome | 120% of area median incomeContact program provider for current income limits | $765,000 |
| CalHFA ZIP Program | 150% of area median incomeIncome limits tied to paired CalHFA first mortgage program; must meet CalHFA county-specific income limits. No independent income limit for ZIP itself. | $765,000 |
| California Dream For All | 120% of area median incomeIncome limits vary by county per CalHFA guidelines. Combined household income must not exceed the CalHFA Income Limit for the county of purchase. Limits range from approximately $148,000 in rural counties to over $300,000 in high-cost counties like Santa Clara. | — |
| California FarmLink Farmworker Homeownership Program | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $400,000 |
| California Housing Finance Agency MyHome Assistance ProgramStatewide · Statewide | 0% of area median incomeUp to 80% AMI per CalHFA county schedule | — |
| CalSTRS CalPATH Teacher Home Loan and DPA - California | See programContact program provider for current income limits | — |
| CalVet Home Loan Program | See programContact program provider for current income limits | — |
| Central Valley Coalition for Affordable Housing DPASan Joaquin | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $450,000 |
| Chase Bank Homebuyer GrantStatewide · Statewide | See programPer Chase program guidelines (LMI tracts and DDA areas) | — |
| Chase Homebuyer Grant - California ($5,000) | 80% of area median incomeContact program provider for current income limits | — |
| Chase Homebuyer Grant - California DDA Areas ($7,500) | 80% of area median incomeContact program provider for current income limits | — |
| Chenoa Fund FHA Forgivable DPA (3.5% - 36 month) | 115% of area median incomeContact program provider for current income limits | — |
| Chenoa Fund FHA Rate Advantage (Forgivable 3.5%) | See programContact program provider for current income limits | — |
| Chenoa Fund FHA Repayable DPA (3.5%) | 115% of area median incomeContact program provider for current income limits | — |
| Chico Rancheria Housing Corporation Homebuyer AssistanceStatewide · Statewide | See programLow-income (priority for Mechoopda tribal members); funds may serve other low-income Indian applicants | — |
| Citi HomeRun Mortgage + Lender Credit - California | See programContact program provider for current income limits | — |
| Citibank, N.A. HomeRun MortgageStatewide · Statewide | 0% of area median incomeAt or below 80% of area median income (HomeRun); up to 120% AMI in expanded markets | — |
| City of Anaheim First-Time Homebuyer ProgramAnaheim · Orange | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $766,000 |
| City of Antioch First-Time Homebuyer AssistanceAntioch · Contra Costa | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $700,000 |
| City of Apple Valley Homebuyer Assistance ProgramApple Valley · San Bernardino | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $500,000 |
| City of Azusa First-Time Homebuyer ProgramAzusa · Los Angeles | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $650,000 |
| City of Bakersfield First-Time Homebuyer Program (Direct City Program)Bakersfield · Kern | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $450,000 |
| City of Baldwin Park First-Time Homebuyer ProgramBaldwin Park · Los Angeles | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $650,000 |
| City of Berkeley First-Time Homebuyer Down Payment AssistanceBerkeley · Alameda | 120% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $1.0M |
| City of Brentwood First Time Homebuyer Down Payment Assistance Program (DAP)Brentwood · Contra Costa | See programAnnual household income at or under 120% of AMI (Contra Costa County) | $600,000 |
| City of Buena Park First-Time Homebuyer AssistanceBuena Park · Orange | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $700,000 |
| City of Burbank First-Time Homebuyer ProgramBurbank · Los Angeles | 120% of area median incomeLow to moderate income: household income ≤120% AMI | $850,000 |
| City of Chico First-Time Homebuyer Assistance ProgramChico · Butte | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $500,000 |
| City of Chico First-Time Homebuyer ProgramChico · Butte | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| City of Chula Vista First-Time Homebuyer ProgramChula Vista · San Diego | 80% of area median income80% AMI; 4-person limit ~$104,100 (2026 San Diego Co. AMI) | $700,000 |
| City of Clovis First-Time Homebuyer ProgramClovis · Fresno | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $550,000 |
| City of Concord First-Time Homebuyer ProgramConcord · Contra Costa | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $800,000 |
| City of Cupertino Below Market Rate Homeownership ProgramCupertino · Santa Clara | 120% of area median incomeLow to moderate income: household income ≤120% AMI | — |
| City of Downey First-Time Homebuyer ProgramDowney · Los Angeles | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $700,000 |
| City of Dublin First Time Homebuyer Loan Program (FTHLP)Dublin · Alameda | See programPer HCD income schedule (Alameda County), updated annually | — |
| City of El Cajon First-Time Homebuyer ProgramEl Cajon · San Diego | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| City of El Monte First-Time Homebuyer ProgramEl Monte · Los Angeles | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| City of Elk Grove First-Time Homebuyer Assistance ProgramElk Grove · Sacramento | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $600,000 |
| City of Emeryville First Home Emeryville Down Payment Assistance ProgramEmeryville · Alameda | 120% of area median income120% of HUD-published AMI (Alameda County), updated annually | — |
| City of Escondido First-Time Homebuyer AssistanceEscondido · San Diego | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $650,000 |
| City of Fairfield Down Payment Assistance ProgramFairfield · Solano | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| City of Folsom Down Payment Assistance ProgramFolsom · Sacramento | 120% of area median incomeLow to moderate income: household income ≤120% AMI | $750,000 |
| City of Fresno Forgivable Deferred Payment LoanFresno · Fresno | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $500,000 |
| City of Garden Grove First-Time Homebuyer ProgramGarden Grove · Orange | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| City of Glendale Homebuyer Assistance ProgramGlendale · Los Angeles | 120% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $850,000 |
| City of Hanford First-Time Homebuyer AssistanceHanford · Kings | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $400,000 |
| City of Hayward First-Time Homebuyer ProgramHayward · Alameda | 120% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $900,000 |
| City of Hemet Homebuyer Assistance ProgramHemet · Riverside | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $450,000 |
| City of Huntington Beach First-Time Homebuyer ProgramHuntington Beach · Orange | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| City of Inglewood First-Time Homebuyer ProgramInglewood · Los Angeles | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $750,000 |
| City of La Mesa First-Time Homebuyer AssistanceLa Mesa · San Diego | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $650,000 |
| City of La Puente CalHome Loan ProgramLa Puente · Los Angeles | 0% of area median income80% LA County AMI: HH1 $77,700; HH2 $88,800; HH3 $99,900; HH4 $110,950; HH5 $119,850; HH6 $128,750; HH7 $137,600; HH8 $146,500 | — |
| City of Lake Elsinore Down Payment AssistanceLake Elsinore · Riverside | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $550,000 |
| City of Lancaster First-Time Homebuyer AssistanceLancaster · Los Angeles | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $600,000 |
| City of Livermore First-Time Homebuyer AssistanceLivermore · Alameda | 120% of area median incomeLow to moderate income: household income ≤120% AMI | $900,000 |
| City of Lompoc Homebuyer Assistance ProgramLompoc · Santa Barbara | 120% of area median incomeUp to 120% of area moderate income (Santa Barbara County) | — |
| City of Long Beach First-Generation Homebuyer GrantLong Beach · Los Angeles | 80% of area median incomeHousehold income may not exceed 200% of LA County AMI (first-time + first-generation buyers) | $800,000 |
| City of Madera First-Time Homebuyer ProgramMadera · Madera | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $400,000 |
| City of Menifee Homebuyer Assistance ProgramMenifee · Riverside | 80% of area median income80% Riverside County AMI: HH1 $57,400 to HH8 $108,250 (varies by HCD annual schedule) | $551,000 |
| City of Merced First-Time Homebuyer Down Payment AssistanceMerced · Merced | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $400,000 |
| City of Milpitas Below Market Rate Homebuyer ProgramMilpitas · Santa Clara | 120% of area median incomeLow to moderate income: household income ≤120% AMI | $1.0M |
| City of Modesto Down Payment Assistance ProgramModesto · Stanislaus | 80% of area median incomeLow income: household income <=80% of Stanislaus County Area Median Income (AMI) | $500,000 |
| City of Modesto First-Time Homebuyer ProgramModesto · Stanislaus | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $500,000 |
| City of Montebello Homebuyer Assistance ProgramMontebello · Los Angeles | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $650,000 |
| City of Mountain View First-Time Homebuyer ProgramMountain View · Santa Clara | 120% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $1.2M |
| City of Napa Down Payment Assistance ProgramNapa · Napa | 0% of area median income80% of Napa County AMI, adjusted for family size. Updated annually. | $764,750 |
| City of National City First-Time Homebuyer ProgramNational City · San Diego | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $650,000 |
| City of Norwalk First-Time Homebuyer ProgramNorwalk · Los Angeles | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $800,000 |
| City of Oakland First-Time Homebuyer ProgramOakland · Alameda | 120% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $850,000 |
| City of Oceanside First-Time Homebuyer ProgramOceanside · San Diego | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| City of Ontario First-Time Homebuyer ProgramOntario · San Bernardino | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $600,000 |
| City of Oxnard Down Payment Assistance Program (PLHA)Oxnard · Ventura | 80% of area median incomeLow to moderate income: household income ≤120% AMI | $800,000 |
| City of Oxnard First-Time Homebuyer Program (Separate from VCCDC)Oxnard · Ventura | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $800,000 |
| City of Oxnard Homebuyer Assistance ProgramOxnard · Ventura | 80% of area median incomeLow to moderate income: household income ≤120% AMI | $800,000 |
| City of Oxnard Homebuyer Program (County Expansion)Ventura · Ventura | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $800,000 |
| City of Palmdale First-Time Homebuyer ProgramPalmdale · Los Angeles | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $600,000 |
| City of Palo Alto Below Market Rate Homeownership ProgramPalo Alto · Santa Clara | 120% of area median incomeLow to moderate income: household income ≤120% AMI | — |
| City of Pasadena First Time Homebuyer Program (HOP)Pasadena · Los Angeles | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $850,000 |
| City of Patterson First Time Home Buyer ProgramPatterson · Stanislaus | 0% of area median incomePer HCD CDBG/HOME income limits (Stanislaus County, 80% AMI) | — |
| City of Perris Homebuyer Assistance ProgramPerris · Riverside | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $500,000 |
| City of Petaluma First-Time Homebuyer AssistancePetaluma · Sonoma | 120% of area median incomeLow to moderate income: household income ≤120% AMI | $800,000 |
| City of Pittsburgh (Pittsburg) Homebuyer AssistancePittsburg · Contra Costa | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $700,000 |
| City of Pleasanton First-Time Homebuyer ProgramPleasanton · Alameda | 120% of area median incomeLow to moderate income: household income ≤120% AMI | $1.0M |
| City of Pomona First-Time Homebuyer ProgramPomona · Los Angeles | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $700,000 |
| City of Porterville First-Time Homebuyer ProgramPorterville · Tulare | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $400,000 |
| City of Poway Supporting Home Ownership in Poway (SHOP) ProgramPoway · San Diego | 120% of area median incomeLow- to moderate-income (per Poway Housing Authority schedule, San Diego County) | — |
| City of Rancho Cordova First-Time Homebuyer ProgramRancho Cordova · Sacramento | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| City of Rancho Cucamonga Homebuyer Assistance ProgramRancho Cucamonga · San Bernardino | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $600,000 |
| City of Redding PLHA Down Payment AssistanceRedding · Shasta | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $500,000 |
| City of Redding Silent Second Mortgage Homebuyer ProgramRedding · Shasta | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $231,088 |
| City of Redlands First-Time Homebuyer ProgramRedlands · San Bernardino | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $550,000 |
| City of Richmond First-Time Homebuyer ProgramRichmond · Contra Costa | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $750,000 |
| City of Riverbank First Time Home Buyers ProgramRiverbank · Stanislaus | 0% of area median incomePer HCD CDBG and HOME income limits, updated annually. Based on household size and combined income. | — |
| City of Riverside First-Time Homebuyer ProgramRiverside · Riverside | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $550,000 |
| City of Rosemead Community Development Homeownership Assistance ProgramRosemead · Los Angeles | 0% of area median incomeAt or below 80% of LA County AMI | $916,750 |
| City of Roseville First-Time Homebuyer ProgramRoseville · Placer | 80% of area median incomeLow to moderate income: household income ≤120% AMI | $600,000 |
| City of Salinas First-Time Homebuyer Assistance ProgramSalinas · Monterey | 150% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $650,000 |
| City of San Leandro Down Payment AssistanceSan Leandro · Alameda | 120% of area median incomeLow to moderate income: household income ≤120% AMI | $900,000 |
| City of San Luis Obispo BMR Homeownership ProgramSan Luis Obispo · San Luis Obispo | 120% of area median incomeLow to moderate income: household income ≤120% AMI | $750,000 |
| City of San Marcos First-Time Homebuyer AssistanceSan Marcos · San Diego | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $700,000 |
| City of San Mateo Down Payment Assistance Loan ProgramSan Mateo · San Mateo | 120% of area median incomeLow to moderate income: household income ≤120% AMI | — |
| City of Santa Ana My First Home ProgramSanta Ana · Orange | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $766,000 |
| City of Santa Barbara First-Time Homebuyer ProgramSanta Barbara · Santa Barbara | 120% of area median incomeLow to moderate income: household income ≤120% AMI | $1.0M |
| City of Santa Clara First-Time Homebuyer ProgramSanta Clara · Santa Clara | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| City of Santa Monica Below Market Rate Homeownership AssistanceSanta Monica · Los Angeles | 120% of area median incomeLow to moderate income: household income ≤120% AMI | — |
| City of Simi Valley Affordable Homeownership ProgramSimi Valley · Ventura | 120% of area median incomeLow to moderate income: household income ≤120% AMI | $750,000 |
| City of South San Francisco Down Payment AssistanceSouth San Francisco · San Mateo | 120% of area median incomeLow to moderate income: household income ≤120% AMI | $1.2M |
| City of Sunnyvale First-Time Homebuyer ProgramSunnyvale · Santa Clara | 120% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $1.2M |
| City of Thousand Oaks First-Time Homebuyer AssistanceThousand Oaks · Ventura | 120% of area median incomeLow to moderate income: household income ≤120% AMI | $800,000 |
| City of Turlock Homebuyer Assistance ProgramTurlock · Stanislaus | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $450,000 |
| City of Vacaville First-Time Homebuyer ProgramVacaville · Solano | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $650,000 |
| City of Vallejo PLHA Homebuyer AssistanceVallejo · Solano | 80% of area median incomeLow to moderate income: household income ≤120% AMI | $650,000 |
| City of Victorville First-Time Homebuyer AssistanceVictorville · San Bernardino | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $500,000 |
| City of Visalia Down Payment Assistance ProgramVisalia · Tulare | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $450,000 |
| City of Visalia First-Time Homebuyer ProgramVisalia · Tulare | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| City of Vista First-Time Homebuyer ProgramVista · San Diego | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $650,000 |
| City of Walnut Creek First-Time Homebuyer ProgramWalnut Creek · Contra Costa | 120% of area median incomeLow to moderate income: household income ≤120% AMI | $900,000 |
| City of Watsonville Downpayment Assistance ProgramWatsonville · Santa Cruz | 1% of area median incomePer HCD income schedule (Santa Cruz County) | — |
| City of Watsonville First Time HomebuyersWatsonville · Santa Cruz | 1% of area median incomePer HCD income schedule, low-to-above-moderate (varies by household size, Santa Cruz County) | — |
| City of West Sacramento First-Time Homebuyer ProgramWest Sacramento · Yolo | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| City of Whittier First-Time Homebuyer AssistanceWhittier · Los Angeles | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $700,000 |
| City of Woodland First-Time Homebuyer AssistanceWoodland · Yolo | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $600,000 |
| Community Housing Development Corporation (CHDC) CalHome DPA - Contra CostaContra Costa | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| Confederated Tribes of Grand Ronde Down Payment AssistanceStatewide · Statewide | $24,000Minimum income $24,000 (no upper limit specified) | — |
| CrossCountry Mortgage Community PromiseStatewide · Statewide | See programPer CrossCountry SPCP guidelines | — |
| CrossCountry Mortgage Smart Start Down Payment Assistance ProgramStatewide · Statewide | 0% of area median incomeAt or below 80% AMI; or property in majority-Black/Hispanic census tract | — |
| Dana Reserve Down Payment Assistance - San Luis ObispoSan Luis Obispo | See programContact program provider for current income limits | — |
| Del Norte County CDBG Homebuyer AssistanceDel Norte | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $350,000 |
| Destination HomeSan Jose · Santa Clara | See programPer partner program (varies) | — |
| Direct Mortgage Loans Go Direct FHA 100% FinancingStatewide · Statewide | See programPer FHA guidelines | — |
| Empowered DPA Program Down Payment AssistanceStatewide · Statewide | See programPer first mortgage program guidelines | — |
| Essex Mortgage 10 Year Amortized 2 PlusStatewide · Statewide | See programPer first mortgage program guidelines | — |
| Essex Mortgage Forgivable/Deferred ProgramStatewide · Statewide | See programLender-set per program guidelines; flexible qualifying | — |
| Fairway Independent Mortgage Corporation Affordable HousingStatewide · Statewide | See programPer Fairway product guidelines (LMI focus) | — |
| Fairway Independent Mortgage Corporation HOPER's Incentive ProgramStatewide · Statewide | See programPer Fairway program guidelines (LMI tracts) | — |
| Fannie Mae HomePath Ready Buyer Program - California | See programContact program provider for current income limits | — |
| Fannie Mae HomeReady DPA (Participating Lender Grants) | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| FHLBank San Francisco Affordable Housing Program (AHP) Set-Aside | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program | 140% of area median incomeWorkforce/moderate income: household income ≤140% AMI | — |
| FHLBank San Francisco WISH Program (Workforce Initiative Subsidy for Homeownership) | 80% of area median income80% AMI; 4-person limit ~$99,650 (2026 CA statewide estimate) | — |
| First Bank Thrive Mortgage LoanStatewide · Statewide | See programPer program guidelines (LMI tracts) | — |
| First Time Home Buyer Program (FTHB)Huntington Park · Los Angeles | 80% of area median incomeHousehold income at or below 80% AMI Los Angeles-Long Beach-Glendale HMFA per HUD. Approximate 2025: $70,650 (1-person) to $133,200 (8-person). | $570,000 |
| Flagstar - Flagstar Gift ProgramStatewide · Statewide | See programPer program guidelines (varies by area) | — |
| Freddie Mac BorrowSmart Access (California) | 140% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| Fresno Beyond Housing Foundation OpenHome ProgramFresno · Fresno, Madera | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| Fresno County Economic Opportunities Commission (EOC) DPAFresno | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $500,000 |
| Fresno County First-Time Homebuyer Program (Unincorporated + Small Cities)Fresno | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| Golden State Finance Authority (GSFA) OpenDoors Conventional DPA | 160% of area median incomeWorkforce/moderate income: household income ≤160% AMI | — |
| Golden State Finance Authority (GSFA) OpenDoors FHA DPA | 160% of area median incomeWorkforce/moderate income: household income ≤160% AMI | — |
| Great Nevada Mortgage Middle-Income Downpayment Assistance GrantsStatewide · Statewide | See programMiddle-income household per FHLB-SF program guidelines | — |
| Greenline Housing Foundation Down Payment GrantStatewide · Statewide | See programGeneral program: no income limits. LA Greenline Home Program: low-to-moderate income BIPOC County residents in 'high-highest' census tracts. | — |
| GSFA Assist-to-Own - Calaveras County EmployeesCalaveras | See programContact program provider for current income limits | $541,287 |
| GSFA Assist-to-Own - Kings County EmployeesKings | See programContact program provider for current income limits | $541,287 |
| GSFA Assist-to-Own - Los Angeles County EmployeesLos Angeles | 200% of area median incomeWorkforce/moderate income: household income ≤200% AMI | $1.2M |
| GSFA Assist-to-Own - Placer County EmployeesPlacer | See programContact program provider for current income limits | $764,750 |
| GSFA Assist-to-Own - Riverside County EmployeesRiverside | 200% of area median incomeWorkforce/moderate income: household income ≤200% AMI | $690,000 |
| GSFA Assist-to-Own - Sacramento County EmployeesSacramento | 200% of area median incomeWorkforce/moderate income: household income ≤200% AMI | $764,750 |
| GSFA Assist-to-Own - San Diego County EmployeesSan Diego | 200% of area median incomeWorkforce/moderate income: household income ≤200% AMI | $1.1M |
| GSFA Assist-to-Own Program (County Employees) | See programContact program provider for current income limits | — |
| GSFA OpenDoors Program | 160% of area median incomeContact program provider for current income limits | — |
| GSFA Platinum - Alpine CountyAlpine | See programContact program provider for current income limits | $541,287 |
| GSFA Platinum - Amador CountyAmador | See programContact program provider for current income limits | $541,287 |
| GSFA Platinum - Colusa CountyColusa | See programContact program provider for current income limits | $541,287 |
| GSFA Platinum - Del Norte CountyDel Norte | See programContact program provider for current income limits | $541,287 |
| GSFA Platinum - El Dorado CountyEl Dorado | See programContact program provider for current income limits | $764,750 |
| GSFA Platinum - Glenn CountyGlenn | See programContact program provider for current income limits | $541,287 |
| GSFA Platinum - Humboldt CountyHumboldt | See programContact program provider for current income limits | $541,287 |
| GSFA Platinum - Lake CountyLake | See programContact program provider for current income limits | $541,287 |
| GSFA Platinum - Lassen CountyLassen | See programContact program provider for current income limits | $541,287 |
| GSFA Platinum - Mariposa CountyMariposa | See programContact program provider for current income limits | $541,287 |
| GSFA Platinum - Mendocino CountyMendocino | See programContact program provider for current income limits | $541,287 |
| GSFA Platinum - Modoc CountyModoc | See programContact program provider for current income limits | $541,287 |
| GSFA Platinum - Mono CountyMono | See programContact program provider for current income limits | $776,250 |
| GSFA Platinum - Plumas CountyPlumas | See programContact program provider for current income limits | $541,287 |
| GSFA Platinum - Sierra CountySierra | See programContact program provider for current income limits | $541,287 |
| GSFA Platinum - Siskiyou CountySiskiyou | See programContact program provider for current income limits | $541,287 |
| GSFA Platinum - Sutter CountySutter | See programContact program provider for current income limits | $541,287 |
| GSFA Platinum - Tehama CountyTehama | See programContact program provider for current income limits | $541,287 |
| GSFA Platinum - Trinity CountyTrinity | See programContact program provider for current income limits | $541,287 |
| GSFA Platinum - Tuolumne CountyTuolumne | See programContact program provider for current income limits | $541,287 |
| GSFA Platinum - Yuba CountyYuba | See programContact program provider for current income limits | $541,287 |
| GSFA Platinum Forgivable Loan | See programContact program provider for current income limits | — |
| GSFA Platinum Grant - Alameda County SpecificAlameda | 160% of area median incomeWorkforce/moderate income: household income ≤160% AMI | $1.2M |
| GSFA Platinum Grant - Contra Costa County SpecificContra Costa | 160% of area median incomeWorkforce/moderate income: household income ≤160% AMI | $1.2M |
| GSFA Platinum Grant - Fresno County SpecificFresno | 160% of area median incomeWorkforce/moderate income: household income ≤160% AMI | $569,250 |
| GSFA Platinum Grant - Los Angeles County SpecificLos Angeles | 160% of area median incomeWorkforce/moderate income: household income ≤160% AMI | $1.2M |
| GSFA Platinum Grant - Orange County SpecificOrange | 160% of area median incomeWorkforce/moderate income: household income ≤160% AMI | $1.1M |
| GSFA Platinum Grant - Riverside County SpecificRiverside | 160% of area median incomeWorkforce/moderate income: household income ≤160% AMI | $690,000 |
| GSFA Platinum Grant - Sacramento County SpecificSacramento | 160% of area median incomeWorkforce/moderate income: household income ≤160% AMI | $764,750 |
| GSFA Platinum Grant - San Bernardino County SpecificSan Bernardino | 160% of area median incomeWorkforce/moderate income: household income ≤160% AMI | $644,000 |
| GSFA Platinum Grant - San Diego County SpecificSan Diego | 160% of area median incomeWorkforce/moderate income: household income ≤160% AMI | $1.1M |
| GSFA Platinum Grant - Santa Clara County SpecificSanta Clara | 160% of area median incomeWorkforce/moderate income: household income ≤160% AMI | $1.2M |
| GSFA Platinum Grant - Ventura County SpecificVentura | 160% of area median incomeWorkforce/moderate income: household income ≤160% AMI | $873,000 |
| GSFA Platinum Grant Program | See programContact program provider for current income limits | — |
| Guild Mortgage 1% Down ProgramStatewide · Statewide | See programAt or below 80% area median income | — |
| Guild Mortgage 3-2-1 Home Plus ProgramStatewide · Statewide | See programPer program guidelines (LMI focus) | — |
| Guild Mortgage MyPath2Own ProgramStatewide · Statewide | See programAt or below 80% area median income | — |
| Guild Mortgage Zero Down Mortgage ProgramStatewide · Statewide | 120% of area median incomeAt or below 120% area median income (in eligible majority-Black/Hispanic tracts) | — |
| Habitat for Humanity Cabrillo (Santa Barbara)Santa Barbara | 60% of area median incomeLow income: household income ≤60% of Area Median Income (AMI) | — |
| Habitat for Humanity East Bay/Silicon Valley - Homeownership ProgramAlameda | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| Habitat for Humanity Fresno - Homeownership ProgramFresno | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| Habitat for Humanity Greater Sacramento - Homeownership ProgramSacramento | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| Habitat for Humanity Greater San Francisco - Homeownership ProgramSan Francisco | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| Habitat for Humanity Kern County - Homeownership ProgramKern | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| Habitat for Humanity Monterey BaySanta Cruz | 60% of area median incomeLow income: household income ≤60% of Area Median Income (AMI) | — |
| Habitat for Humanity of Greater Los Angeles - Homeownership ProgramLos Angeles | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| Habitat for Humanity of Orange County - Homeownership ProgramOrange | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| Habitat for Humanity Tri-ValleyAlameda | 60% of area median incomeLow income: household income ≤60% of Area Median Income (AMI) | — |
| Habitat for Humanity Ventura CountyVentura | 60% of area median incomeLow income: household income ≤60% of Area Median Income (AMI) | — |
| Habitat LA Downpayment Assistance ProgramLos Angeles | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| HCD CalHome Program (Direct State Allocation - Various Counties) | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $726,200 |
| Home Ownership Program (HOP120)Los Angeles | 120% of area median incomeHousehold income at or below 120% HUD AMI for Los Angeles-Long Beach-Glendale Metro Division (FY2025): 1p $82,500; 2p $94,250; 3p $106,000; 4p $117,800; 5p $127,250; 6p $136,650; 7p $146,100; 8p $155,550. | $850,000 |
| HomeFundIt Crowdfunding Down Payment Platform - California | See programContact program provider for current income limits | — |
| Housing Authority County of San Bernardino Homeownership Assistance ProgramSan Bernardino | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| Housing Trust Fund Santa Barbara North County Workforce Homebuyer ProgramSanta Barbara | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $900,000 |
| Housing Trust Fund Santa Barbara Workforce Homebuyer Program (South County)Santa Barbara | 150% of area median incomeContact program provider for current income limits | $900,000 |
| Housing Trust Silicon Valley - Home Access Program (Alameda/Contra Costa)Alameda | 80% of area median incomeContact program provider for current income limits | — |
| HSBC Bank USA CommunityWorksStatewide · Statewide | See programLow-to-moderate income (typically up to 80% AMI) | — |
| HSBC Bank USA CommunityWorks Opening Doors Home Loan GrantStatewide · Statewide | See programLow-to-moderate income (typically <= 80% AMI) | — |
| Humboldt County First-Time Homebuyer ProgramHumboldt | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $409,000 |
| Imperial County First-Time Homebuyer Program (ICCED)Imperial | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| Inland Empire Down Payment Assistance Program (IEDPA)San Bernardino | 80% of area median incomeLow to moderate income: household income ≤120% AMI | — |
| Irvine Community Land Trust - Affordable HomeownershipIrvine · Orange | 80% of area median incomeLow to moderate income: household income ≤120% AMI | — |
| Kings County First-Time Homebuyer AssistanceKings | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $400,000 |
| LA County Housing Authority Section 8 Homeownership Voucher ProgramLos Angeles | 50% of area median incomeLow income: household income ≤50% of Area Median Income (AMI) | — |
| LA County LACDA Home Ownership Program (HOP)Los Angeles | 120% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $800,000 |
| La Habra Homebuyer Assistance Program - Orange CountyLa Habra · Orange | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| Lake County First-Time Homebuyer AssistanceLake | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $350,000 |
| Lakeview National Down Payment Assistance Homeownership ProgramStatewide · Statewide | See programPer program guidelines (LMI focus) | — |
| Land Home Financial Services, Inc. House2Home ProgramStatewide · Statewide | See programPer first mortgage program guidelines | — |
| loanDepot Grand Slam Grant Program | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| Long Beach First Time Homebuyer Assistance ProgramLong Beach · Los Angeles | 200% of area median income200% LA County AMI: HH1 $149,200; HH2 $170,600; HH3 $191,900; HH4 $213,200; HH5 $230,300; HH6 $247,300 | — |
| Los Angeles Community Land Trust (LACLT) - HomeownershipLos Angeles · Los Angeles | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| Los Angeles County Mortgage Credit Certificate ProgramLos Angeles | 115% of area median incomeLow to moderate income: household income ≤120% AMI | $726,200 |
| Los Angeles LIPA ProgramLos Angeles | 80% of area median income2025 income limits (80% AMI, City of LA): 1 person $84,850; 2 persons $96,950; 3 persons $109,050; 4 persons $121,150; 5 persons $130,850; 6 persons $140,550. | $973,750 |
| Los Angeles MIPA (Moderate Income Purchase Assistance) ProgramLos Angeles · Los Angeles | 120% of area median incomeLow to moderate income: household income ≤120% AMI | $973,750 |
| Luminate Bank Luminate PATH National DPA ProgramStatewide · Statewide | See programPer first mortgage program guidelines | — |
| Marin County First-Time Homebuyer ProgramMarin | 120% of area median incomeLow to moderate income: household income ≤120% AMI | $1.2M |
| Marin Housing Authority Below Market Rate (BMR) Ownership ProgramSan Rafael · Marin | $222,8502026 AMI; HH 1 (Marin): $156,000; HH 2 (Marin): $178,250; HH 3 (Marin): $200,550; HH 4 (Marin): $222,850; HH 5 (Marin): $240,650; HH 6 (Marin): $258,500; HH 7 (Marin): $276,300; HH 8 (Marin): $294,150 | — |
| Mariposa County CDBG First-Time Homebuyer AssistanceMariposa | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $450,000 |
| Mayor's Office of Housing and Community Development (MOHCD) Below Market Rate Downpayment Assistance Loan Program (BMR DALP)San Francisco · San Francisco | 120% of area median incomeMaximum 120% of San Francisco AMI | — |
| Mayor's Office of Housing and Community Development (MOHCD) Dream Keeper Downpayment Assistance Loan Program (DK-DALP)San Francisco · San Francisco | $371,4002026 AMI; HH 1 (San Francisco): $260,000; HH 2 (San Francisco): $297,100; HH 3 (San Francisco): $334,250; HH 4 (San Francisco): $371,400; HH 5 (San Francisco): $401,100; HH 6 (San Francisco): $430,800; HH 7 (San Francisco): $460,550 | — |
| Mayor's Office of Housing and Community Development (MOHCD) Limited Equity ProgramSan Francisco · San Francisco | See programIncome limits set per MOHCD annual schedule, varies by program tier | — |
| Mayor's Office of Housing and Community Development (MOHCD) Teacher Next Door ProgramSan Francisco · San Francisco | $371,4002026 AMI; HH 1 (San Francisco): $260,000; HH 2 (San Francisco): $297,100; HH 3 (San Francisco): $334,250; HH 4 (San Francisco): $371,400; HH 5 (San Francisco): $401,100; HH 6 (San Francisco): $430,800; HH 7 (San Francisco): $460,550 | — |
| Mendocino County HOME Program First-Time HomebuyerMendocino | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $450,000 |
| MEP Advantage DPA ProgramStatewide · Statewide | See programPer FHA / Conv lender guidelines | — |
| Merced County HOME First-Time Homebuyer ProgramMerced | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $400,000 |
| Mission Economic Development Agency (MEDA) DPA - San FranciscoSan Francisco · San Francisco | 120% of area median incomeLow to moderate income: household income ≤120% AMI | — |
| Montebello Housing Development Corporation Second Mortgage Loan ProgramMulti-County · Los Angeles, Riverside, San Bernardino | 0% of area median incomeVery-low or low income (80% AMI or below) | — |
| Monterey County First-Time Homebuyer ProgramMonterey | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| My Way Home CalHome Deferred Loan - Bakersfield/KernKern | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $450,000 |
| My Way Home Hope to Home - Bakersfield City ProgramBakersfield · Kern | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $450,000 |
| NACA Homeownership through Public Housing Assistance (HOT-PHA)Statewide · Statewide | See programHCV income criteria (PHA-set, very-low-income focus) | — |
| NACA Purchase Program - California | See programContact program provider for current income limits | $822,375 |
| NACA's New Construction HomesStatewide · Statewide | See programNACA targets LMI but flexible underwriting; income at or near area median | — |
| Napa County Housing Authority Down Payment AssistanceNapa | 120% of area median incomeLow to moderate income: household income ≤120% AMI | $800,000 |
| Napa County Proximity Housing Homebuyer's Assistance ProgramNapa | 120% of area median incomeLow to moderate income: household income ≤120% AMI | — |
| National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance ProgramStatewide · Statewide | See programLender-set per program guidelines; flexible qualifying. Follow FHA guidelines for ownership of additional property. | — |
| Neighborhood Housing Services of the Inland Empire (NHSIE) PLHA DPASan Bernardino | 80% of area median incomeLow to moderate income: household income ≤120% AMI | $600,000 |
| Neighborhood Partnership Housing Services (NPHS) CalHome DPASan Bernardino | 120% of area median incomeLow to moderate income: household income ≤120% AMI | $600,000 |
| NeighborWorks Orange County - Down Payment AssistanceOrange | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| NeighborWorks Sacramento - Down Payment AssistanceSacramento | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| Nevada County First-Time Homebuyer ProgramNevada | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $600,000 |
| NHF Sapphire Grant Program - California | 150% of area median incomeContact program provider for current income limits | — |
| NHF Sapphire Grant Program - FHA (California) | 150% of area median incomeContact program provider for current income limits | — |
| NHS Neighborhood Housing Services Los Angeles CountyLos Angeles | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| NHSIE CalHome Program - Inland EmpireSan Bernardino | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| North Fork Rancheria Indian Housing Authority Down Payment Assistance ProgramStatewide · Statewide | See programPer tribal housing authority guidelines | — |
| Northern California Land Trust (NCLT) - Bay Area CLT HomeownershipAlameda | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| Northern Circle Indian Housing Authority Down Payment AssistanceStatewide · Statewide | See programPer NCIHA program guidelines | — |
| Northpointe Bank ONE+ Loan ProgramStatewide · Statewide | See programAt or below 80% area median income | — |
| NPHS Neighborhood Partnership Housing Services DPA - Inland EmpireSan Bernardino | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| Oakland Community Land Trust (OakCLT) - Homeownership ProgramOakland · Alameda | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| Orange County Mortgage Assistance Program (MAP)Orange | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $765,960 |
| Orange County Mortgage Credit Certificate ProgramOrange | 115% of area median incomeLow to moderate income: household income ≤120% AMI | $726,200 |
| Patelco Credit Union CalHFA Partnership DPA | 150% of area median incomeWorkforce/moderate income: household income ≤150% AMI | — |
| Pathway Homes Essential Workers ProgramStatewide · Statewide | See programTargets essential workers; varies by market | — |
| Placer County First-Time Homebuyer Loan ProgramPlacer | 150% of area median incomeWorkforce/moderate income: household income ≤150% AMI | $750,000 |
| PNC Bank Low to Moderate Income Borrower GrantStatewide · Statewide | 0% of area median incomeAt or below 80% area median income | — |
| PNC Bank PNC GrantStatewide · Statewide | 0% of area median incomeAt or below 80% area median income; or property in low/moderate income census tract | — |
| Primary Residential Mortgage Down Payment ProgramStatewide · Statewide | See programPer first mortgage program guidelines | — |
| Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance ProgramStatewide · Statewide | See programPer first mortgage program guidelines | — |
| RCF Connects Down Payment Assistance - Contra CostaContra Costa | See programContact program provider for current income limits | — |
| ReCoverCA Homebuyer Assistance Program (DR-HBA) | 120% of area median incomeLow to moderate income: household income ≤120% AMI | — |
| Redwood Credit Union Community Fund Down Payment Assistance | See programContact program provider for current income limits | — |
| Riverside County ARPA First-Time Homebuyer Program (5th District)Riverside | 120% of area median incomeLow to moderate income: household income ≤120% AMI | — |
| Riverside County HOME First-Time Homebuyer ProgramRiverside | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| Riverside County Housing & Workforce Solutions DPARiverside | 120% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| Riverside County MCC (Mortgage Credit Certificate) ProgramRiverside | 115% of area median incomeContact program provider for current income limits | — |
| Rocket Mortgage ONE+ By Rocket Mortgage ProgramStatewide · Statewide | 80% of area median incomeAt or below 80% area median income | — |
| San Diego Community Land Trust - Affordable HomeownershipSan Diego · San Diego | 120% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| San Diego County DCCA (Downpayment and Closing Cost Assistance) ProgramSan Diego | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $622,250 |
| San Diego County Mortgage Credit Certificate (MCC) ProgramSan Diego | 115% of area median incomeLow to moderate income: household income ≤120% AMI | $726,200 |
| San Diego Habitat for Humanity - Homeownership ProgramSan Diego | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| San Diego Housing Commission (SDHC) Section 8 Homeownership ProgramSan Diego · San Diego | 50% of area median incomeLow income: household income ≤50% of Area Median Income (AMI) | — |
| San Francisco Community Land Trust (SFCLT) - Homeownership ProgramSan Francisco · San Francisco | See programLow income: household income ≤80% of Area Median Income (AMI) | — |
| San Francisco DALP (Downpayment Assistance Loan Program)San Francisco · San Francisco | 200% of area median income120% AMI; 4-person household limit ~$299,700 (2026 SF AMI) | $1.3M |
| San Francisco Educators DALP (Educators Downpayment Assistance Loan Program)San Francisco · San Francisco | 200% of area median incomeWorkforce/moderate income: household income ≤200% AMI | — |
| San Francisco FRDALP (First Responders Downpayment Assistance Loan Program)San Francisco · San Francisco | 200% of area median incomeWorkforce/moderate income: household income ≤200% AMI | — |
| San Francisco Mayor's Office of Housing and Community Development Below Market Rate (BMR) Ownership ProgramsSan Francisco · San Francisco | 120% of area median incomeAnnually-set per HUD AMI for San Francisco area; ~100% AMI baseline | — |
| San Francisco Mayor's Office of Housing and Community Development City Second Loan Program (CSLP)San Francisco · San Francisco | 142% of area median incomeMaximum 149% of San Francisco AMI | — |
| San Joaquin County GAP Loan ProgramSan Joaquin | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $500,000 |
| San Luis Obispo County Down Payment Assistance ProgramSan Luis Obispo | 120% of area median incomeLow to moderate income: household income ≤120% AMI | $750,000 |
| San Mateo County EDPAP (Employee Down Payment Assistance Program)San Mateo | See programContact program provider for current income limits | — |
| San Pablo Economic Development Corporation San Pablo Loan Assistance for Sustainable HousingSan Pablo · Contra Costa | 80% of area median incomeHousehold income (all members 18+) must not exceed 80% of Area Median Income (Contra Costa County) | — |
| Santa Clara County Housing Authority Below Market Rate Partnership ProgramStatewide · Santa Clara | 80% of area median incomeHousehold income at or below 80% of Area Median Income (Santa Clara County) | — |
| Santa Cruz County Mortgage Assistance ProgramSanta Cruz | See programContact program provider for current income limits | — |
| SDHC First-Time Homebuyer Middle-Income ProgramSan Diego · San Diego | 150% of area median income81-120% AMI; 4-person limit ~$125,280 (2026 San Diego Co. AMI) | $622,250 |
| SDHC H.O.P.E. Teacher Grant (San Diego & Poway USD)San Diego · San Diego | 160% of area median incomeContact program provider for current income limits | $622,250 |
| Self-Help Enterprises Down Payment Assistance - Central Valley | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| Self-Help Enterprises Homeownership Program (San Joaquin Valley) | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $450,000 |
| Shasta County Down Payment Assistance ProgramShasta | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $450,000 |
| SHRA Mortgage Credit Certificate (MCC) Program - SacramentoSacramento | 115% of area median incomeContact program provider for current income limits | — |
| Siletz Tribal Housing Department Down Payment AssistanceStatewide · Statewide | See programPer Siletz Tribal Housing Department guidelines | — |
| Solano/Napa Habitat for Humanity - Homeownership ProgramSolano | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| Springboard CDFI California Homebuyer Assistance | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $600,000 |
| Stanford University Faculty Staff Housing AssistancePalo Alto · Santa Clara | See programContact program provider for current income limits | — |
| Stanislaus County First-Time Homebuyer DPA ProgramStanislaus | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| Tehama County HOME Program First-Time Homebuyer AssistanceTehama | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $400,000 |
| Town of Paradise First Time Home Buyer ProgramParadise · Butte | See programPer Federal 2025 Income Limits (Butte County), low-income (80% AMI) | — |
| Town of Truckee BEGIN Reuse ProgramTruckee · Nevada | $149,5002026 AMI; HH 1 (Nevada): $104,650; HH 2 (Nevada): $119,600; HH 3 (Nevada): $134,550; HH 4 (Nevada): $149,500; HH 5 (Nevada): $161,500; HH 6 (Nevada): $173,450; HH 7 (Nevada): $185,400; HH 8 (Nevada): $197,350 | — |
| Town of Truckee CalHome Reuse ProgramTruckee · Nevada | 0% of area median incomeHousehold income (all members 18+) must be at or below 80% of Area Median Income (Nevada County) | — |
| Tri Counties Bank / Self-Help Enterprises DPA - Central Valley | 80% of area median incomeLow to moderate income: household income ≤120% AMI | — |
| Tri Counties Bank Homeownership Access ProgramStatewide · Statewide | 1% of area median incomeAt or below 150% area median income | — |
| Tulare County HOME Program Down Payment AssistanceTulare | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $400,000 |
| U.S. Bank Access Home Loan - California | 100% of area median incomeIncome at or below area median income (no income limit if buying in a low-to-moderate income census tract); FICO 640+ (680 for 2+ units); DTI under 43%; $1,000 minimum borrower contribution; homebuyer course required. | — |
| U.S. Department of Housing and Urban Development (HUD) Good Neighbor Next DoorStatewide · Statewide | See programNone (eligibility based on profession) | — |
| U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee ProgramStatewide · Statewide | See programNone (eligibility based on Native American membership) | — |
| U.S. Department of Housing and Urban Development HCV Homeownership ProgramStatewide · Statewide | See programHCV-recipient (very-low-income / extremely-low-income) | — |
| U.S. Department of the Interior Indian Affairs Down Payment AssistanceStatewide · Statewide | See programPer BIA HIP guidelines (low-income focus) | — |
| U.S. Department of Veterans Affairs Native American Direct LoanStatewide · Statewide | See programPer VA underwriting (no specific income cap) | — |
| U.S. Department of Veterans Affairs Specially Adapted Housing (SAH) GrantStatewide · Statewide | See programNone (eligibility based on disability rating) | — |
| U.S. Department of Veterans Affairs VA-backed Purchase LoanStatewide · Statewide | See programNone (VA underwriting guidelines) | — |
| UC Systemwide Mortgage Origination Program (UC MOP) | See programContact program provider for current income limits | $2.5M |
| Urban League of San Diego County HOPE Teacher Housing Grant ProgramSan Diego · San Diego | 160% of area median incomeHousehold income under 160% of AMI (~$134,000 single-person household, San Diego County) | — |
| USC Faculty & Staff Housing Program (FSH) One-Time SubsidyLos Angeles · Los Angeles | See programNone (employer-based eligibility) | — |
| USDA Rural Development Single Family Housing Guaranteed Loan ProgramMulti-City · Rural areas | 115% of area median incomeUp to 115% of area median income (USDA Rural Development limits, varies by county) | — |
| USDA Section 502 Guaranteed Loan - Rural California | 115% of area median incomeUSDA Section 502 income limit is 115% of area median income and varies by county. | — |
| Valley First Credit Union Middle Income Homebuyer ProgramStatewide · Statewide | 1% of area median incomeMiddle-income (~120% AMI) per FHLB-SF schedules | — |
| VCCDC Down Payment Assistance - Ventura CountyVentura | 120% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | — |
| VCCDC DPA - City of CamarilloCamarillo · Ventura | 120% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $800,000 |
| Ventura County Mortgage Credit Certificate ProgramVentura | 115% of area median incomeLow to moderate income: household income ≤120% AMI | $726,200 |
| Wells Fargo Dream.Plan.Home. Closing Cost Credit - California | 80% of area median incomeContact program provider for current income limits | — |
| Wells Fargo Homebuyer Access Grant - California | 120% of area median incomeLow to moderate income: household income ≤120% AMI | — |
| Yolo County Down Payment Assistance ProgramYolo | 80% of area median incomeLow income: household income ≤80% of Area Median Income (AMI) | $600,000 |
Questions, answered
What are the income limits for down payment assistance in California?
368 down payment assistance programs in California publish an income limit, a purchase price cap, or both. 272 express the limit as a percentage of the area median income for the county where the home is, and 67 publish a flat dollar figure instead.
Why does the same program have different income limits in different counties?
Because most limits are set as a percentage of area median income, which HUD publishes per county and revises annually. A program with one published percentage therefore admits a different dollar figure in each county, and the figure is further adjusted for household size.
Is a published limit the same as being approved?
No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.
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.
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