Multi-County · Sonoma County
Burbank Housing Homeowner Down Payment Assistance Program
Deferred second loan · 1% of area median income
Programs by loan typePrograms by loan type · California
Down payment assistance you can pair with an FHA loan in California
269 programs name FHA loans: 126 city, 114 county or regional, 29 statewide.269 programs in California name FHA loans among the first mortgages they can be paired with: 126 run by a city, 114 by a county or regional agency and 29 open statewide.
Two approvals, made separately. The lender underwrites the FHA loan; the program reviews its own application, and the lender must also accept the assistance. The loan type is one rule among several.The lender underwrites the FHA loan; the assistance program reviews its own application. A program naming FHA means the two can be combined, and the lender must also accept the assistance as a source of funds. The loan type is one rule among several.
Find my programs →Free · No credit pull · 90 seconds
The 269 programs, closest first
From one city out to the whole state
Listed A–Z within each group, not ranked.A city program covers homes inside that city; a county or regional program, homes in its area; a statewide program, an eligible home anywhere in California. Listed A–Z within each group, not ranked.
In a California city 126 programs
For homes inside that city’s limits onlyAnaheim · Orange County
City of Anaheim First-Time Homebuyer Program
Deferred second loan · 80% of area median income
Antioch · Contra Costa County
City of Antioch First-Time Homebuyer Assistance
Deferred second loan · 80% of area median income
Apple Valley · San Bernardino County
City of Apple Valley Homebuyer Assistance Program
Deferred second loan · 80% of area median income
Azusa · Los Angeles County
City of Azusa First-Time Homebuyer Program
Deferred second loan · 80% of area median income
Bakersfield · Kern County
City of Bakersfield First-Time Homebuyer Program (Direct City Program)
Deferred second loan · 80% of area median income
Baldwin Park · Los Angeles County
City of Baldwin Park First-Time Homebuyer Program
Deferred second loan · 80% of area median income
Berkeley · Alameda County
City of Berkeley First-Time Homebuyer Down Payment Assistance
Deferred second loan · 120% of area median income
In a county or region 114 programs
For homes anywhere in the county or the counties namedAlameda County
AC Boost - Alameda County Down Payment Assistance
Shared-appreciation loan · 150% of area median income
San Bernardino County
Affordable Homes Inland Empire (AHIE) DPA
Deferred second loan · 80% of area median income
Amador County
Amador County Homebuyer Assistance Program
Deferred second loan · 80% of area median income
Multi-county
Bank of America America's Home Grant - California
Assistance grant · 80% of area median income
Butte County
Butte County HOME First-Time Homebuyer Assistance
Deferred second loan · 80% of area median income
Statewide County
C.A.R's Housing Affordability Fund (HAF) Pathway to Home Closing Cost Assistance Grant Program
Assistance grant · 1% of area median income
Calaveras County
Calaveras County Down Payment Assistance Program
Deferred second loan · 80% of area median income
Statewide County
California Housing Finance Agency MyHome Assistance Program
Deferred second loan · 0% of area median income
Anywhere in California 29 programs
Can sit alongside a city or county program where both allow it- Bay Equity Home Loans CalHFA DPA PartnerDeferred second loan · First-time homebuyers
- CalHFA CalPLUS FHA + ZIP Combined ProgramDeferred second loan · First-time homebuyers
- CalHFA Forgivable Equity Builder Loan (FEBL)Forgivable loan · First-time homebuyers
- CalHFA Mortgage Credit Certificate (MCC) ProgramMortgage credit certificate · First-time homebuyers
- CalHFA MyAccess Assistance ProgramDeferred second loan · First-time homebuyers
- CalHFA MyHome Assistance ProgramDeferred second loan · First-time homebuyers
- CalHFA School Teacher and Employee Assistance Program (STEAP)Deferred second loan · First-time homebuyers
- CalHFA ZIP ProgramForgivable loan
- California Dream For AllUp to $150,000 · Shared-appreciation loan · First-time homebuyers
- California FarmLink Farmworker Homeownership ProgramDeferred second loan · First-time homebuyers
- CalSTRS CalPATH Teacher Home Loan and DPA - CaliforniaDeferred second loan · First-time homebuyers
- Chenoa Fund FHA Forgivable DPA (3.5% - 36 month)Forgivable loan
- Chenoa Fund FHA Rate Advantage (Forgivable 3.5%)Forgivable loan
- Chenoa Fund FHA Repayable DPA (3.5%)Repayable second loan
- FHLBank San Francisco Affordable Housing Program (AHP) Set-AsideAssistance grant · First-time homebuyers
- FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) ProgramAssistance grant · First-time homebuyers
- FHLBank San Francisco WISH Program (Workforce Initiative Subsidy for Homeownership)Assistance grant · First-time homebuyers
- Golden State Finance Authority (GSFA) OpenDoors FHA DPAAssistance grant
- GSFA Assist-to-Own Program (County Employees)Deferred second loan
- GSFA OpenDoors ProgramDeferred second loan
- GSFA Platinum Forgivable LoanForgivable loan
- GSFA Platinum Grant ProgramAssistance grant
- HCD CalHome Program (Direct State Allocation - Various Counties)Deferred second loan · First-time homebuyers
- loanDepot Grand Slam Grant ProgramAssistance grant
- NHF Sapphire Grant Program - CaliforniaAssistance grant
- NHF Sapphire Grant Program - FHA (California)Assistance grant
- Patelco Credit Union CalHFA Partnership DPADeferred second loan · First-time homebuyers
- ReCoverCA Homebuyer Assistance Program (DR-HBA)Forgivable loan
- Springboard CDFI California Homebuyer AssistanceDeferred second loan · First-time homebuyers
Nationwide 33 programs · not in the 269
Nationwide: 33 more, not in the 26933 nationwide programs that also name FHA loans, each with its own area and eligibility rules
- American Pacific Mortgage Pathway DPA
- BluePoint Mortgage Zero-Down Home Loan
- Chase Bank Homebuyer Grant
- Chico Rancheria Housing Corporation Homebuyer Assistance
- Confederated Tribes of Grand Ronde Down Payment Assistance
- Direct Mortgage Loans Go Direct FHA 100% Financing
- Empowered DPA Program Down Payment Assistance
- Essex Mortgage 10 Year Amortized 2 Plus
- Essex Mortgage Forgivable/Deferred Program
- Fairway Independent Mortgage Corporation Affordable Housing
- Fairway Independent Mortgage Corporation HOPER's Incentive Program
- Flagstar - Flagstar Gift Program
- Great Nevada Mortgage Middle-Income Downpayment Assistance Grants
- Guild Mortgage 3-2-1 Home Plus Program
- Guild Mortgage MyPath2Own Program
- Lakeview National Down Payment Assistance Homeownership Program
- Land Home Financial Services, Inc. House2Home Program
- Lennar Mortgage Advantage Plus Program
- Luminate Bank Luminate PATH National DPA Program
- MEP Advantage DPA Program
- National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program
- North Fork Rancheria Indian Housing Authority Down Payment Assistance Program
- Northern Circle Indian Housing Authority Down Payment Assistance
- Primary Residential Mortgage Down Payment Program
- Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program
- Siletz Tribal Housing Department Down Payment Assistance
- Susan's Savings First Time Home Buyers Program
- Tyndall Federal Credit Union $1,000 Off Closing Cost
- Tyndall Federal Credit Union $450 Closing Cost
- U.S. Department of Housing and Urban Development (HUD) Good Neighbor Next Door
- U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program
- U.S. Department of Housing and Urban Development HCV Homeownership Program
- U.S. Department of the Interior Indian Affairs Down Payment Assistance
- All nationwide programs →
What to know
What the 269 records say
From each program’s own record. The agency decides who can use it.Counted from each program’s own record. A program’s agency decides who can use it.
- 218 of 269
ask for a homebuyer education class.
- 214 of 269
are limited to first-time homebuyers, as each program defines it.
- 176 · 59 · 12
are deferred second loans, assistance grants and shared-appreciation loans. The other 22 are 11 forgivable loans, 7 mortgage credit certificates, 2 other assistance, 1 first mortgage and 1 repayable second loan.
Free help in CaliforniaFree help in California
95 HUD-approved counseling agencies in California95 HUD-approved housing counseling agencies in California
218 of 269 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how the assistance and an FHA loan fit together.218 of 269 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how an assistance program and a first mortgage fit together, before you talk to a lender. Create a free account to see who’s near you.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Keep going
More of California’s programs
Questions, answered
Can down payment assistance be used with an FHA loan in California?
269 programs in California name FHA loans among the loan types they can be paired with. The assistance program and the first-mortgage lender underwrite separately, so a lender must also be willing to accept the assistance as a source of funds.
Does naming FHA loans mean a program is open to everyone using one?
No. The loan type is one eligibility rule among several — income limits, purchase price caps, credit requirements and occupancy rules all still apply, and each program sets its own.
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.
Programs and counts: Hey Prescott program records, each verified with its administering agency (June–July 2026). Counselors: HUD housing counseling agency list. Hey Prescott is not a lender.