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 a USDA loan in California
124 programs name USDA loans: 35 city, 73 county or regional, 16 statewide.124 programs in California name USDA loans among the first mortgages they can be paired with: 35 run by a city, 73 by a county or regional agency and 16 open statewide.
Two approvals, made separately. The lender underwrites the USDA 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 USDA loan; the assistance program reviews its own application. A program naming USDA 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.
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The 124 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 35 programs
For homes inside that city’s limits onlyChico · Butte County
City of Chico First-Time Homebuyer Assistance Program
Deferred second loan · 80% of area median income
Dublin · Alameda County
City of Dublin First Time Homebuyer Loan Program (FTHLP)
Deferred second loan
Emeryville · Alameda County
City of Emeryville First Home Emeryville Down Payment Assistance Program
Deferred second loan · 120% of area median income
Hanford · Kings County
City of Hanford First-Time Homebuyer Assistance
Deferred second loan · 80% of area median income
Hemet · Riverside County
City of Hemet Homebuyer Assistance Program
Deferred second loan · 80% of area median income
La Puente · Los Angeles County
City of La Puente CalHome Loan Program
Deferred second loan · 0% of area median income
Lompoc · Santa Barbara County
City of Lompoc Homebuyer Assistance Program
Deferred second loan · 120% of area median income
In a county or region 73 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
Amador County
Amador County Homebuyer Assistance Program
Deferred second loan · 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
San Joaquin County
Central Valley Coalition for Affordable Housing DPA
Deferred second loan · 80% of area median income
Del Norte County
Del Norte County CDBG Homebuyer Assistance
Deferred second loan · 80% of area median income
Anywhere in California 16 programs
Can sit alongside a city or county program where both allow it- CalHFA Forgivable Equity Builder Loan (FEBL)Forgivable loan · First-time homebuyers
- CalHFA Mortgage Credit Certificate (MCC) ProgramMortgage credit certificate · First-time homebuyers
- CalHFA USDA Program with MyHomeFirst mortgage · First-time homebuyers
- CalHFA ZIP ProgramForgivable loan
- California FarmLink Farmworker Homeownership ProgramDeferred second loan · First-time homebuyers
- 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
- 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
- ReCoverCA Homebuyer Assistance Program (DR-HBA)Forgivable loan
- Springboard CDFI California Homebuyer AssistanceDeferred second loan · First-time homebuyers
- USDA Section 502 Guaranteed Loan - Rural CaliforniaFirst mortgage
Nationwide 25 programs · not in the 124
Nationwide: 25 more, not in the 12425 nationwide programs that also name USDA loans, each with its own area and eligibility rules
- American Pacific Mortgage Pathway DPA
- Chase Bank Homebuyer Grant
- Chico Rancheria Housing Corporation Homebuyer Assistance
- Confederated Tribes of Grand Ronde 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
- Land Home Financial Services, Inc. House2Home Program
- Lennar Mortgage Advantage Plus 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 HCV Homeownership Program
- U.S. Department of the Interior Indian Affairs Down Payment Assistance
- USDA Rural Development Single Family Housing Guaranteed Loan Program
- All nationwide programs →
What to know
What the 124 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.
- 83 of 124
ask for a homebuyer education class.
- 78 of 124
are limited to first-time homebuyers, as each program defines it.
- 57 · 43 · 7
are deferred second loans, assistance grants and forgivable loans. The other 17 are 7 mortgage credit certificates, 6 shared-appreciation loans, 3 first mortgages and 1 other assistance.
Free help in CaliforniaFree help in California
95 HUD-approved counseling agencies in California95 HUD-approved housing counseling agencies in California
83 of 124 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how the assistance and a USDA loan fit together.83 of 124 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.
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More of California’s programs
Questions, answered
Can down payment assistance be used with a USDA loan in California?
124 programs in California name USDA 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 USDA 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–August 2026). Counselors: HUD housing counseling agency list. Hey Prescott is not a lender.