Shasta County Down Payment Assistance Program
Deferred second loan · New construction · Income limits
Down payment assistance · Shasta County
Buying a home in Palo Cedro, CA
1 county program and 54 statewide.Palo Cedro has no program of its own, 1 across Shasta 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 Palo Cedro
No program of Palo Cedro’s own yet
No program run for Palo Cedro alone is listed. A home in Palo Cedro can use Shasta County’s programs below, plus the California statewide and federal ones.
The closest city that runs its own program is Redding, about 8 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in ShastaAnywhere in Shasta County
1 county program1 county program a Palo Cedro homebuyer can use
The Palo Cedro marketThe Palo Cedro housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Palo Cedro
- 93.2% single-familysingle-family
- 0.2% townhousetownhouse
- 1.5% 2–4 units2–4 units
- 0% 5+ unitscondo & apartment buildings (5+ units)
- 5.2% mobile & othermobile home & other
Condos count. Palo Cedro’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Palo Cedro’s homes were built
pre-19401970s2020+
55.5%
of Palo Cedro 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.
$97,100
County area median income, 4 people (HUD)HUD area median income, Shasta County, 4-person household (2026)
$120,152
Palo Cedro median household incomeMedian household income in Palo Cedro (Census, 2024)
51 of the 117 programs here set their income limit as a share of Shasta County’s area median income, adjusted for household size. See the published limits for Shasta County
Free help nearbyFree help near Palo Cedro
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Palo Cedro’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Shasta County Down Payment Assistance 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.
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Across California and nationwide
116 statewide & federal programs54 statewide programs, plus federal options
Palo Cedro questions
Does Palo Cedro have its own down payment program?
No program run for Palo Cedro alone is listed. A home in Palo Cedro can use the 1 program that cover Shasta County and the 54 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Palo Cedro?
Palo Cedro’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 Shasta County?
Each program sets its own. 51 of the programs here set theirs as a share of HUD’s area median income for Shasta 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 Palo Cedro?
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
96073
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.