Fresno County First-Time Homebuyer Program (Unincorporated + Small Cities)

What is Fresno County First-Time Homebuyer Program (Unincorporated + Small Cities)?

Fresno County First-Time Homebuyer Program (Unincorporated + Small Cities) is a deferred second loan for homebuyers in Fresno County, California.

• Zero-interest deferred payment loan up to 20% of purchase price plus closing costs. Deferred 30 years or until first mortgage payoff. Available in unincorporated Fresno County and cities of Fowler, Kerman, Kingsburg, Mendota, Reedley, and Selma.
• Up to 20.0% of purchase price in assistance.
• no monthly payments on DPA.
• Funding comes from Federal HOME / County.

How much assistance does it provide?

Fresno County First-Time Homebuyer Program (Unincorporated + Small Cities) provides assistance worth 20% of the purchase price, as set by the program.

• The program asks buyers to contribute 1% of purchase price (borrower minimum).
• The program can be combined with other assistance, subject to the rules of each.
• Amounts are the program's published maximums, not an offer — the administering agency determines any individual award.

Do you have to pay it back?

Fresno County First-Time Homebuyer Program (Unincorporated + Small Cities) 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, non-occupancy, or 30-year term.
• The assistance is recorded in Second position.
• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Fresno County First-Time Homebuyer Program (Unincorporated + Small Cities) is open to first-time homebuyers and buyers who will live in the home as their primary residence.

What are the income limits?

Fresno County First-Time Homebuyer Program (Unincorporated + Small Cities) limits household income to 80% of the area median income, which varies by county and household size.

• Low income: household income ≤80% of Area Median Income (AMI).
• The limit applies to total household income, not only the borrower’s.
• The program lists a maximum household size of 8.
• 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?

Fresno County First-Time Homebuyer Program (Unincorporated + Small Cities) caps the purchase price as follows: Contact program for current purchase price limits.

• Eligible property types include Single-family (1-4 unit), FHA-approved condominium, townhome/PUD.
• New construction is eligible.
• Manufactured homes are not eligible.

Where does it apply?

Fresno County First-Time Homebuyer Program (Unincorporated + Small Cities) serves buyers purchasing in Fresno County, California.

How do you apply?

Applications for Fresno County First-Time Homebuyer Program (Unincorporated + Small Cities) go through the administering agency, which publishes the current terms and the application steps on its own site.

1. 1

   Take a homebuyer education course

   Required by the program before funds are reserved.

2. 2

   Contact the administering agency to reserve funds

   Funds are reserved through Contact provider directly; subject to funding availability, and are subject to availability.

3. 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.