Dana Reserve Down Payment Assistance - San Luis Obispo
Deferred second loan · New construction · Income limits
Down payment assistance · San Luis Obispo County
Buying a home in Nipomo, CA
2 county programs and 54 statewide.Nipomo has no program of its own, 2 across San Luis Obispo 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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What’s local to Nipomo
No program of Nipomo’s own yet
No program run for Nipomo alone is listed. A home in Nipomo can use San Luis Obispo County’s programs below, plus the California statewide and federal ones.
The closest city that runs its own program is San Luis Obispo, about 20 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in San Luis ObispoAnywhere in San Luis Obispo County
2 county programs2 county programs a Nipomo homebuyer can use
1 more program is for homes in San Luis Obispo. See them 1 program in neighboring cities — for homes inside those cities, not Nipomo
- San Luis Obispo — City of San Luis Obispo BMR Homeownership Program
The Nipomo marketThe Nipomo housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Nipomo
- 70.9% single-familysingle-family
- 5.5% townhousetownhouse
- 4.9% 2–4 units2–4 units
- 5.1% 5+ unitscondo & apartment buildings (5+ units)
- 13.7% mobile & othermobile home & other
Condos count. All 2 of Nipomo’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Nipomo’s homes were built
pre-19401970s2020+
31%
of Nipomo 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.
$129,600
County area median income, 4 people (HUD)HUD area median income, San Luis Obispo County, 4-person household (2026)
$110,022
Nipomo median household incomeMedian household income in Nipomo (Census, 2024)
51 of the 118 programs here set their income limit as a share of San Luis Obispo County’s area median income, adjusted for household size. See the published limits for San Luis Obispo County
Free help nearbyFree help near Nipomo
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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
Nipomo questions
Does Nipomo have its own down payment program?
No program run for Nipomo alone is listed. A home in Nipomo can use the 2 programs that cover San Luis Obispo County and the 54 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Nipomo?
All 2 of Nipomo’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 San Luis Obispo County?
Each program sets its own. 51 of the programs here set theirs as a share of HUD’s area median income for San Luis Obispo 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 Nipomo?
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
93444
Nearby in San Luis Obispo
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.