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City of Patterson First Time Home Buyer Program

Patterson, California

Last verified
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Repayment

Deferred

No payments until the home is sold or refinanced

What is City of Patterson First Time Home Buyer Program?

City of Patterson First Time Home Buyer Program is a deferred second loan for homebuyers in Patterson, California.

  • CDBG/HOME-funded deferred loan administered through Stanislaus County Block Consortium.
  • CDBG/HOME-funded deferred loan for first-time homebuyers in Patterson. Funded through Stanislaus County Block Consortium.
  • Funding comes from CDBG, HOME (Stanislaus County Block Consortium).

Do you have to pay it back?

City of Patterson First Time Home Buyer Program is deferred, so no payments are due until the home is sold, refinanced, or the first mortgage is paid off.

  • Repayment is triggered by sale, refinance, or change of primary residence.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

City of Patterson First Time Home Buyer Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A completed homebuyer education course, through Required - HUD-approved
  • Sourced via Homebuyer Wallet (CA260119). Must be first-time homebuyer. Application requires lender pre-approval letter. Property must be within Patterson city limits.

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

City of Patterson First Time Home Buyer Program sets its income limit as follows: Per HCD CDBG/HOME income limits (Stanislaus County, 80% AMI).

  • Per HCD CDBG/HOME income limits (Stanislaus County, 80% AMI).
  • The limit applies to total household income, not only the borrower’s.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

City of Patterson First Time Home Buyer Program can be used for Single-family, Condo, Townhouse.

Where does it apply?

City of Patterson First Time Home Buyer Program serves buyers purchasing in Patterson, California.

How do you apply?

Applications for City of Patterson First Time Home Buyer Program go through the administering agency, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through Required - HUD-approved.

  2. Contact the administering agency to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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City of Patterson First Time Home Buyer Program, explained

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