Neighborhood Partnership Housing Services (NPHS) CalHome DPA

What is Neighborhood Partnership Housing Services (NPHS) CalHome DPA?

Neighborhood Partnership Housing Services (NPHS) CalHome DPA is a deferred second loan for homebuyers in San Bernardino County, California.

• NPHS CalHome-funded deferred down payment loan for first-time homebuyers in the Inland Empire (San Bernardino and Riverside counties). 0% interest silent second.
• Up to $75,000 in assistance.
• no monthly payments on DPA.
• Funding comes from CalHome.

Do you have to pay it back?

Neighborhood Partnership Housing Services (NPHS) CalHome DPA 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, transfer, or refinance.
• 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?

Neighborhood Partnership Housing Services (NPHS) CalHome DPA is open to first-time homebuyers and buyers who will live in the home as their primary residence.

What are the income limits?

Neighborhood Partnership Housing Services (NPHS) CalHome DPA limits household income to 120% 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?

Neighborhood Partnership Housing Services (NPHS) CalHome DPA caps the purchase price at $600,000.

• 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?

Neighborhood Partnership Housing Services (NPHS) CalHome DPA serves buyers purchasing in San Bernardino County, California.

How do you apply?

Applications for Neighborhood Partnership Housing Services (NPHS) CalHome DPA 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.