GSFA Assist-to-Own - Kings County Employees
Deferred second loan · New construction · Income limits
Down payment assistance · Kings County
Buying a home in Lucerne, CA
2 county programs and 54 statewide.Lucerne has no program of its own, 2 across Kings County, and 54 statewide. Here is what each one offers, and who near you can walk you through it.
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What’s local to Lucerne
No program of Lucerne’s own yet
No program run for Lucerne alone is listed. A home in Lucerne can use Kings County’s programs below, plus the California statewide and federal ones.
The closest city that runs its own program is Hanford, about 4 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in KingsAnywhere in Kings County
2 county programs2 county programs a Lucerne homebuyer can use
1 more program is for homes in Hanford. See them 1 program in neighboring cities — for homes inside those cities, not Lucerne
- Hanford — City of Hanford First-Time Homebuyer Assistance
Income limits in Kings County
How programs here set their income limits
$84,900
County area median income, 4 people (HUD)HUD area median income, Kings County, 4-person household (2026)
51 of the 118 programs here set their income limit as a share of Kings County’s area median income, adjusted for household size. See the published limits for Kings County
Free help nearbyFree help near Lucerne
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Lucerne’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Kings County First-Time Homebuyer Assistance 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
Lucerne questions
Does Lucerne have its own down payment program?
No program run for Lucerne alone is listed. A home in Lucerne can use the 2 programs that cover Kings County and the 54 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Lucerne?
All 2 of Lucerne’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 Kings County?
Each program sets its own. 51 of the programs here set theirs as a share of HUD’s area median income for Kings 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 Lucerne?
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
95458
Nearby in Kings
Sources
Sources: agency sites (June–August 2026), 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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.