Deferred second loan
City of Madera First-Time Homebuyer Program
First-time homebuyers · New construction · Income limits · Single-family (1-4 unit), FHA-approved condominium, townhome/PUD
Down payment assistance · Madera County
Buying a home in Madera, CA
1 Madera program and 54 statewide.Madera has 1 program of its own, and 54 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
Find my programs Free · No credit pull · 90 seconds
Only for Madera addresses
Madera’s own program
The Madera marketThe Madera housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Madera
- 71.6% single-familysingle-family
- 3.6% townhousetownhouse
- 8.7% 2–4 units2–4 units
- 13.2% 5+ unitscondo & apartment buildings (5+ units)
- 2.8% mobile & othermobile home & other
Condos count. Madera’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Madera’s homes were built
pre-19401970s2020+
39.1%
of Madera 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.
$82,200
County area median income, 4 people (HUD)HUD area median income, Madera County, 4-person household (2026)
$63,933
Madera median household incomeMedian household income in Madera (Census, 2024)
51 of the 117 programs here set their income limit as a share of Madera County’s area median income, adjusted for household size. See the published limits for Madera County
Free help nearbyFree help near Madera
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Madera’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.City of Madera First-Time Homebuyer 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across California and nationwide
116 statewide & federal programs54 statewide programs, plus federal options
Madera questions
Does Madera have its own down payment program?
Yes, one: City of Madera First-Time Homebuyer Program, a deferred second loan for first-time homebuyers (new construction, income limits). It is for homes inside Madera.
Can I use assistance on a condo in Madera?
Madera’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 Madera County?
Each program sets its own. 51 of the programs here set theirs as a share of HUD’s area median income for Madera 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 Madera?
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
93637 · 93638 · 93639
Nearby in Madera
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.