Golden State Finance Authority (GSFA) OpenDoors FHA DPA
Golden State Finance Authority (GSFA) OpenDoors FHA DPA is a grant for homebuyers in California.
The program asks for
- The home is occupied as a primary residence
- On credit: Minimum 640 FICO score required for all borrowers
- Residency: Must occupy as primary residence
- Citizenship or immigration status: U.S. citizen, permanent resident alien, or other eligible non-citizen
- A home in California
It doesn’t cover
- Manufactured homes
- Households above 160% of area median income
These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.
Income limit
160% of the area median income where the home is
HUD sets the area median income each year. The limit changes with household size, so a family of five has a higher limit than a single homebuyer.
Where it applies
California’s homesCalifornia’s homes, and the ones this program accepts
- 57% single-familysingle-family
- 7.4% townhousetownhouse
- 7.8% 2–4 units2–4 units
- 24.1% 5+ unitscondo & apartment buildings (5+ units)
- 3.6% mobile & othermobile home & other
A tick marks a kind of home the program’s record lists. The agency confirms it for the home you choose.
$734,700
California median home value
56%
built before 1980
U.S. Census Bureau, ACS 2024 5-year.
How to apply
How to applyTwo steps, in this order
Contact the administering agency to reserve funds
Funds are reserved through GSFA lender portal, and are subject to availability.
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 homebuyer can take it to a lender or housing counselor.
Questions about this program
What is Golden State Finance Authority (GSFA) OpenDoors FHA DPA?
Golden State Finance Authority (GSFA) OpenDoors FHA DPA is a grant for homebuyers in California. GSFA OpenDoors FHA variant: up to 5% grant for down payment/closing costs on FHA loans. Available statewide with higher income limits. True grant, no repayment. Up to 5.0% of purchase price in assistance. non-repayable grant. Funding comes from GSFA.
How much assistance does it provide?
Golden State Finance Authority (GSFA) OpenDoors FHA DPA provides assistance worth 5% of the purchase price, as set by the program. The program asks homebuyers 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?
Golden State Finance Authority (GSFA) OpenDoors FHA DPA is structured as a grant, so it is not repaid. Repayment is triggered by N/A (non-repayable grant). The assistance is recorded in N/A (grant - no lien) position. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.
Who qualifies?
Golden State Finance Authority (GSFA) OpenDoors FHA DPA is open to homebuyers who will live in the home as their primary residence. On credit, the program states: Minimum 640 FICO score required for all borrowers. Residency requirement: Must occupy as primary residence. Citizenship or immigration status: U.S. citizen, permanent resident alien, or other eligible non-citizen.
What are the income limits?
Golden State Finance Authority (GSFA) OpenDoors FHA DPA limits household income to 160% of the area median income, which varies by county and household size. Workforce/moderate income: household income ≤160% 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?
Golden State Finance Authority (GSFA) OpenDoors FHA DPA 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?
Golden State Finance Authority (GSFA) OpenDoors FHA DPA serves homebuyers purchasing anywhere in California.
How do you apply?
Applications for Golden State Finance Authority (GSFA) OpenDoors FHA DPA go through the administering agency, which publishes the current terms and the application steps on its own site. Funds are reserved through GSFA lender portal. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.
Also for California homebuyersOther programs open to California homebuyers
- California Dream For AllUp to $150,000
- Bank of America Down Payment Grant - CaliforniaUp to $10,000
- Wells Fargo Homebuyer Access Grant - CaliforniaUp to $10,000
Whether two programs can be combined is up to each agency. Ask before you apply.
All 116 programs for CaliforniaProgram terms are set by the administering agency and can change; confirm on the official site before you apply.