NHF Sapphire Grant Program - FHA (California)

What is NHF Sapphire Grant Program - FHA (California)?

NHF Sapphire Grant Program - FHA (California) is a grant for homebuyers in California.

• NHF Sapphire FHA variant: up to 5% of loan amount as a grant for California homebuyers using FHA financing. No income limits, no repayment required. Available through participating lenders.
• Up to 5.0% of purchase price in assistance.
• non-repayable grant.
• Funding comes from NHF.

How much assistance does it provide?

NHF Sapphire Grant Program - FHA (California) provides assistance worth 5% 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?

NHF Sapphire Grant Program - FHA (California) 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?

NHF Sapphire Grant Program - FHA (California) is open to buyers who will live in the home as their primary residence.

What are the income limits?

NHF Sapphire Grant Program - FHA (California) limits household income to 150% of the area median income, which varies by county and household size.

• Contact program provider for current income limits.
• 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?

NHF Sapphire Grant Program - FHA (California) 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?

NHF Sapphire Grant Program - FHA (California) serves buyers purchasing anywhere in California.

How do you apply?

Applications for NHF Sapphire Grant Program - FHA (California) go through the administering agency, which publishes the current terms and the application steps on its own site.

1. 1

   Contact the administering agency to reserve funds

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

2. 2

   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.