hey prescott.
See what you qualify for

Down payment assistance

Down payment assistance in Mission Canyon, CA

121 programs a Mission Canyon buyer could use — grants, forgivable loans, and tax credits. Free to explore, no SSN, no credit pull.

Find my programsEmbed this

Free forever · No credit pull · 90 seconds

Programs available
121

Programs available

Open to first-time buyers
54

Open to first-time buyers

Forgivable
86

Forgivable

Largest award
$150,000

Largest award

121 programs

In Santa Barbara County

5 programs

City of Lompoc Homebuyer Assistance Program

Deferred

Deferred second loan · Income limits

First-time
Verified Jul 2026See details →

City of Santa Barbara First-Time Homebuyer Program

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jul 2026See details →

Habitat for Humanity Cabrillo (Santa Barbara)

Grant

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026See details →

Housing Trust Fund Santa Barbara North County Workforce Homebuyer Program

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jul 2026See details →

Housing Trust Fund Santa Barbara Workforce Homebuyer Program (South County)

Assistance

Repayable second loan · New construction · Income limits

First-time
Verified Jul 2026See details →

Across California

54 programs

California Dream For All

Up to $150,000

Shared-appreciation loan · Income limits

First-time
Verified Jul 2026See details →

Bank of America Down Payment Grant - California

Up to $10,000

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026See details →

Wells Fargo Homebuyer Access Grant - California

Up to $10,000

Assistance grant · New construction · Income limits

Verified Jun 2026See details →

Bank of America America's Home Grant - California

Up to $7,500

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026See details →

Chase Homebuyer Grant - California DDA Areas ($7,500)

Up to $7,500

Assistance grant · New construction · Income limits

Verified Jul 2026See details →

Citi HomeRun Mortgage + Lender Credit - California

Up to $7,500

Assistance grant · New construction · Income limits

Verified Jul 2026See details →

Chase Homebuyer Grant - California ($5,000)

Up to $5,000

Assistance grant · New construction · Income limits

Verified Jul 2026See details →

Wells Fargo Dream.Plan.Home. Closing Cost Credit - California

Up to $5,000

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026See details →

Freddie Mac BorrowSmart Access (California)

Up to $3,000

Assistance grant · New construction · Income limits

First-time
Verified Jul 2026See details →

Bay Equity Home Loans CalHFA DPA Partner

3.5% of price

Deferred second loan · New construction · Income limits

First-time
Verified Jul 2026See details →

CalHFA CalPLUS Conventional + ZIP Combined Program

3% of price

Deferred second loan · Forgiven over 3 yrs · Income limits

First-time
Verified Jul 2026See details →

CalHFA CalPLUS FHA + ZIP Combined Program

3% of price

Deferred second loan · Forgiven over 3 yrs · Income limits

First-time
Verified Jul 2026See details →

CalHFA Dream For All Shared Appreciation Loan

20% of price

Shared-appreciation loan · New construction · Income limits

First-time
Verified Jun 2026See details →

CalHFA Forgivable Equity Builder Loan (FEBL)

10% of price

Forgivable loan · Forgiven over 5 yrs · Income limits

First-time
Verified Jun 2026See details →

CalHFA Mortgage Credit Certificate (MCC) Program

20% of price

Mortgage credit certificate · New construction · Income limits

First-time
Verified Jun 2026See details →

CalHFA MyAccess Assistance Program

3.5% of price

Deferred second loan · New construction · Income limits

First-time
Verified Jul 2026See details →

CalHFA MyHome Assistance Program

3.5% of price

Deferred second loan · Income limits

First-time
Verified Jul 2026See details →

CalHFA School Teacher and Employee Assistance Program (STEAP)

3% of price

Deferred second loan · New construction · Income limits

First-timeEducators
Verified Jun 2026See details →

CalHFA USDA Program with MyHome

3.5% of price

First mortgage · New construction · Income limits

First-time
Verified Aug 2026See details →

CalHFA VA Loan Program with MyHome

3.5% of price

Deferred second loan · New construction · Income limits

First-timeVeterans
Verified Jul 2026See details →

CalHFA ZIP Program

3% of price

Forgivable loan · Forgiven over 30 yrs · Income limits

Verified Jun 2026See details →

California FarmLink Farmworker Homeownership Program

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jul 2026See details →

CalSTRS CalPATH Teacher Home Loan and DPA - California

3.5% of price

Deferred second loan · New construction · Income limits

First-timeEducators
Verified Jul 2026See details →

CalVet Home Loan Program

Grant

Assistance grant · New construction · Income limits

Veterans
Verified Jul 2026See details →

Chenoa Fund FHA Forgivable DPA (3.5% - 36 month)

3.5% of price

Forgivable loan · Forgiven over 3 yrs · Income limits

Verified Jul 2026See details →

Chenoa Fund FHA Rate Advantage (Forgivable 3.5%)

3.5% of price

Forgivable loan · Forgiven over 3 yrs · Income limits

Verified Jun 2026See details →

Chenoa Fund FHA Repayable DPA (3.5%)

3.5% of price

Repayable second loan · New construction · Income limits

Verified Jul 2026See details →

Fannie Mae HomePath Ready Buyer Program - California

3% of price

Assistance grant · New construction · Income limits

First-time
Verified Jul 2026See details →

Fannie Mae HomeReady DPA (Participating Lender Grants)

Grant

Assistance grant · New construction · Income limits

First-time
Verified Jul 2026See details →

FHLBank San Francisco Affordable Housing Program (AHP) Set-Aside

Grant

Assistance grant · New construction · Income limits

First-time
Verified Jul 2026See details →

FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program

Grant

Assistance grant · New construction · Income limits

First-time
Verified Jul 2026See details →

FHLBank San Francisco WISH Program (Workforce Initiative Subsidy for Homeownership)

Grant

Assistance grant · Forgiven over 5 yrs · Income limits

First-time
Verified Jul 2026See details →

Golden State Finance Authority (GSFA) OpenDoors Conventional DPA

5% of price

Assistance grant · New construction · Income limits

Verified Jun 2026See details →

Golden State Finance Authority (GSFA) OpenDoors FHA DPA

5% of price

Assistance grant · New construction · Income limits

Verified Jun 2026See details →

GSFA Assist-to-Own Program (County Employees)

5.5% of price

Deferred second loan · New construction · Income limits

Verified Jul 2026See details →

GSFA OpenDoors Program

7% of price

Deferred second loan · New construction · Income limits

Verified Jun 2026See details →

GSFA Platinum Forgivable Loan

5.5% of price

Forgivable loan · Forgiven over 3 yrs · Income limits

Verified Jun 2026See details →

GSFA Platinum Grant Program

5.5% of price

Assistance grant · New construction · Income limits

Verified Jul 2026See details →

HCD CalHome Program (Direct State Allocation - Various Counties)

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jul 2026See details →

HomeFundIt Crowdfunding Down Payment Platform - California

Grant

Assistance grant · New construction · Income limits

Verified Jul 2026See details →

loanDepot Grand Slam Grant Program

Grant

Assistance grant · New construction · Income limits

Verified Jul 2026See details →

NACA Purchase Program - California

Deferred

Deferred second loan · New construction · Income limits

Verified Jul 2026See details →

NHF Sapphire Grant Program - California

5% of price

Assistance grant · New construction · Income limits

Verified Jul 2026See details →

NHF Sapphire Grant Program - FHA (California)

5% of price

Assistance grant · New construction · Income limits

Verified Jul 2026See details →

Patelco Credit Union CalHFA Partnership DPA

3.5% of price

Deferred second loan · New construction · Income limits

First-time
Verified Jul 2026See details →

ReCoverCA Homebuyer Assistance Program (DR-HBA)

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

Verified Jun 2026See details →

Redwood Credit Union Community Fund Down Payment Assistance

5% of price

Assistance grant · New construction · Income limits

First-time
Verified Jul 2026See details →

Self-Help Enterprises Down Payment Assistance - Central Valley

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jul 2026See details →

Self-Help Enterprises Homeownership Program (San Joaquin Valley)

Assistance available

Down-payment assistance · New construction · Income limits

First-time
Verified Jul 2026See details →

Springboard CDFI California Homebuyer Assistance

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026See details →

Tri Counties Bank / Self-Help Enterprises DPA - Central Valley

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jul 2026See details →

U.S. Bank Access Home Loan - California

3% of price

Assistance grant · New construction · Income limits

Verified Jun 2026See details →

UC Systemwide Mortgage Origination Program (UC MOP)

100% of price

Assistance grant · New construction · Income limits

Verified Jun 2026See details →

USDA Section 502 Guaranteed Loan - Rural California

100% of price

First mortgage · New construction · Income limits

Verified Jul 2026See details →

Federal

62 programs

U.S. Department of Veterans Affairs Specially Adapted Housing (SAH) Grant

Up to $126,526

Assistance grant · Income limits

NationwideVeterans
Verified Jul 2026See details →

America First Credit Union 100% No PMI Adjustable-Rate Mortgage

First mortgage

First mortgage

Nationwide
Verified Jul 2026See details →

American Pacific Mortgage 1% Home Program

0.02% of price

Assistance grant · Income limits

Nationwide
Verified Jul 2026See details →

American Pacific Mortgage Pathway DPA

Deferred

Deferred second loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026See details →

BluePoint Mortgage Zero-Down Home Loan

0.035% of price

Deferred second loan · Income limits

Nationwide
Verified Jul 2026See details →

BNY Down Payment Assistance

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026See details →

Chase Bank Homebuyer Grant

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Sep 2026See details →

Chico Rancheria Housing Corporation Homebuyer Assistance

0.25% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026See details →

Citibank, N.A. HomeRun Mortgage

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026See details →

Confederated Tribes of Grand Ronde Down Payment Assistance

0.2% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026See details →

CrossCountry Mortgage Community Promise

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jul 2026See details →

CrossCountry Mortgage Non-QM loans

Grant

Assistance grant

Nationwide
Verified Jul 2026See details →

CrossCountry Mortgage Smart Start Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwideTargeted area
Verified Jul 2026See details →

Direct Mortgage Loans Go Direct FHA 100% Financing

0.035% of price

Deferred second loan · Income limits

Nationwide
Verified Jul 2026See details →

Empowered DPA Program Down Payment Assistance

Deferred

Deferred second loan · Income limits

Nationwide
Verified Jul 2026See details →

Essex Mortgage 10 Year Amortized 2 Plus

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026See details →

Essex Mortgage Forgivable/Deferred Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026See details →

Fairway Independent Mortgage Corporation Affordable Housing

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026See details →

Fairway Independent Mortgage Corporation HOPER's Incentive Program

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jul 2026See details →

First Bank Thrive Mortgage Loan

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jul 2026See details →

Flagstar - Flagstar Gift Program

0.03% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026See details →

Great Nevada Mortgage Middle-Income Downpayment Assistance Grants

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026See details →

Guild Mortgage 1% Down Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026See details →

Guild Mortgage 3-2-1 Home Plus Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026See details →

Guild Mortgage Doctor and Medical Professionals Program

Grant

Assistance grant

Nationwide
Verified Jul 2026See details →

Guild Mortgage MyPath2Own Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwide
Verified Jul 2026See details →

Guild Mortgage Zero Down Mortgage Program

Deferred

Deferred second loan · Income limits

First-timeNationwideTargeted area
Verified Jul 2026See details →

HSBC Bank USA CommunityWorks

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026See details →

HSBC Bank USA CommunityWorks Opening Doors Home Loan Grant

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026See details →

Lakeview National Down Payment Assistance Homeownership Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026See details →

Land Home Financial Services, Inc. House2Home Program

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026See details →

Lennar Mortgage Advantage Plus Program

Grant

Assistance grant · New construction

Nationwide
Verified Jul 2026See details →

Luminate Bank Luminate PATH National DPA Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026See details →

MEP Advantage DPA Program

Deferred

Deferred second loan · Income limits

Nationwide
Verified Jul 2026See details →

NACA Homeownership through Public Housing Assistance (HOT-PHA)

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026See details →

NACA's New Construction Homes

Grant

Assistance grant · New construction · Income limits

Nationwide
Verified Jul 2026See details →

NASA FCU $0 Down, No PMI Mortgage Purchase

Grant

Assistance grant

Nationwide
Verified Jul 2026See details →

National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program

Deferred

Deferred second loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026See details →

Navy Federal Credit Union Homebuyers Choice Loan

Grant

Assistance grant

First-timeNationwideVeterans
Verified Jul 2026See details →

Navy Federal Credit Union Military Choice Loan

Grant

Assistance grant

NationwideVeterans
Verified Jul 2026See details →

North Fork Rancheria Indian Housing Authority Down Payment Assistance Program

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026See details →

Northern Circle Indian Housing Authority Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026See details →

Northpointe Bank ONE+ Loan Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026See details →

Pathway Homes Essential Workers Program

Assistance

Shared-appreciation loan · Income limits

NationwideEducators
Verified Jun 2026See details →

PNC Bank Low to Moderate Income Borrower Grant

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026See details →

PNC Bank PNC Grant

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jun 2026See details →

Primary Residential Mortgage Down Payment Program

Deferred

Deferred second loan · Income limits

Nationwide
Verified Jul 2026See details →

Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026See details →

Rocket Mortgage ONE+ By Rocket Mortgage Program

0.02% of price

Assistance grant · Income limits

Nationwide
Verified Jun 2026See details →

Siletz Tribal Housing Department Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026See details →

State Department Federal Credit Union First-Time Homebuyer Mortgage

Grant

Assistance grant

First-timeNationwide
Verified Jul 2026See details →

Susan's Savings First Time Home Buyers Program

Grant

Assistance grant · New construction · Income limits

First-timeNationwide
Verified Jul 2026See details →

Tyndall Federal Credit Union $1,000 Off Closing Cost

Grant

Assistance grant

Nationwide
Verified Jun 2026See details →

Tyndall Federal Credit Union $450 Closing Cost

Grant

Assistance grant

Nationwide
Verified Jun 2026See details →

U.S. Department of Housing and Urban Development (HUD) Good Neighbor Next Door

0.5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

NationwideEducators
Verified Jul 2026See details →

U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026See details →

U.S. Department of Housing and Urban Development HCV Homeownership Program

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026See details →

U.S. Department of the Interior Indian Affairs Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026See details →

U.S. Department of Veterans Affairs Native American Direct Loan

Grant

Assistance grant · Income limits

NationwideVeterans
Verified Jun 2026See details →

U.S. Department of Veterans Affairs VA-backed Purchase Loan

Grant

Assistance grant · Income limits

NationwideVeterans
Verified Jul 2026See details →

USDA Rural Development Single Family Housing Guaranteed Loan Program

First mortgage

First mortgage · Income limits

Nationwide
Verified Jul 2026See details →

Valley First Credit Union Middle Income Homebuyer Program

Grant

Assistance grant · Income limits

First-timeNationwide
See details →

What’s local to Mission Canyon

There are no programs run by Mission Canyon itself. A Mission Canyon buyer uses Santa Barbara County’s programs, plus the statewide and federal ones above — all of which are open to them.

The closest city that runs its own program is Santa Barbara, about 2 miles away. City programs usually require the home to be inside that city’s limits — worth checking if you’re still choosing where to buy.

HUD puts the 2026 area median income for Santa Barbara County at $118,600 for a four-person household. 55 of the programs listed here set an income limit as a percentage of that figure, which is why the same program admits a different income in a different county. Published limits for California →

All Santa Barbara County programs →

90-second match

Not sure which you qualify for?

Answer 9 questions and we'll match you to every program you can actually use — in about 90 seconds. No SSN, no credit pull.

Find my programs

Questions, answered

The honest answers first

Do I need to share my SSN or get a credit check?
No. Exploring programs on Hey Prescott is free and anonymous — no Social Security number, no credit pull. You only share details when you choose to apply with a lender.
Is this free?
Yes. Browsing programs and getting matched is free. Hey Prescott is not a lender and never charges you to use it.
Are these all the programs?
We list active programs we've verified for Mission Canyon and California, refreshed regularly. New programs are added as agencies publish them — check back as your search continues.
Can I use more than one?
Often, yes. Many buyers combine ("stack") a grant or forgivable second with a statewide or federal program. Stacking and eligibility rules are set by each administering agency.
How current is this?
We re-verify programs regularly; each program card shows the date it was last verified. Always confirm the latest terms on the official program site before you apply.
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.

Nearby cities