Deferred second loan
City of Modesto Down Payment Assistance Program
First-time homebuyers · New construction · Income limits · Single-family (1-4 unit), FHA-approved condominium, townhome/PUD
Down payment assistance · Stanislaus County
Buying a home in Modesto, CA
2 Modesto programs, 1 county program and 54 statewide.Modesto has 2 programs of its own, 1 more across Stanislaus County, and 54 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Modesto addresses
Modesto’s own programs
Deferred second loan
City of Modesto First-Time Homebuyer Program
First-time homebuyers · New construction · Income limits · Single-family (1-4 unit), FHA-approved condominium, townhome/PUD
Anywhere in StanislausAnywhere in Stanislaus County
1 county program1 county program a Modesto homebuyer can also use
3 more programs are for homes in Patterson, Riverbank and Turlock. See them 3 programs in neighboring cities — for homes inside those cities, not Modesto
The Modesto marketThe Modesto housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Modesto
- 70.7% single-familysingle-family
- 6% townhousetownhouse
- 7.9% 2–4 units2–4 units
- 13.1% 5+ unitscondo & apartment buildings (5+ units)
- 2.4% mobile & othermobile home & other
Condos count. All 3 of Modesto’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Modesto’s homes were built
pre-19401970s2020+
54.8%
of Modesto 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.
$94,600
County area median income, 4 people (HUD)HUD area median income, Stanislaus County, 4-person household (2026)
$79,891
Modesto median household incomeMedian household income in Modesto (Census, 2024)
53 of the 119 programs here set their income limit as a share of Stanislaus County’s area median income, adjusted for household size. See the published limits for Stanislaus County
Free help nearbyFree help near Modesto
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 local programs here ask 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
Modesto questions
Does Modesto have its own down payment program?
Yes, 2: City of Modesto Down Payment Assistance Program and City of Modesto First-Time Homebuyer Program. Each is for homes inside Modesto.
Can I use assistance on a condo in Modesto?
All 3 of Modesto’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 Stanislaus County?
Each program sets its own. 53 of the programs here set theirs as a share of HUD’s area median income for Stanislaus 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 Modesto?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Modesto. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
95350 · 95351 · 95352 · 95353 · 95354 · 95355 · 95356 · 95357 · 95358 · 95397
Nearby in Stanislaus
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.