Inland Empire Down Payment Assistance Program (IEDPA)

What is Inland Empire Down Payment Assistance Program (IEDPA)?

Inland Empire Down Payment Assistance Program (IEDPA) is a deferred second loan for homebuyers in San Bernardino County, California.

• Up to $40,000 as 0% interest 30-year deferred loan for first-time homebuyers in San Bernardino and Riverside Counties. Launched February 2025 with $1M from U.S. Bank. Low- and moderate-income families earning up to 120% AMI. Purchase in either county.
• Up to $40,000 in assistance.
• no monthly payments on DPA.
• Funding comes from U.S. Bank / Non-profit.

How much assistance does it provide?

Inland Empire Down Payment Assistance Program (IEDPA) offers up to $40,000 in assistance.

• 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?

Inland Empire Down Payment Assistance Program (IEDPA) is forgiven after 30 years, so a buyer who stays that long does not repay it.

• Repayment is triggered by Sale, refinance, transfer, or end of owner-occupancy within 30 years.
• 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?

Inland Empire Down Payment Assistance Program (IEDPA) is open to first-time homebuyers and buyers who will live in the home as their primary residence.

What are the income limits?

Inland Empire Down Payment Assistance Program (IEDPA) limits household income to 80% of the area median income, which varies by county and household size.

• Low to moderate income: household income ≤120% 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?

Inland Empire Down Payment Assistance Program (IEDPA) 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?

Inland Empire Down Payment Assistance Program (IEDPA) serves buyers purchasing in San Bernardino County, California.

How do you apply?

Applications for Inland Empire Down Payment Assistance Program (IEDPA) 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, through NPHS homebuyer education.

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.