Deferred second loan
City of Redding PLHA Down Payment Assistance
First-time homebuyers · New construction · Income limits · Single-family (1-4 unit), FHA-approved condominium, townhome/PUD
Down payment assistance · Shasta County
Buying a home in Redding, CA
2 Redding programs, 1 county program and 54 statewide.Redding has 2 programs of its own, 1 more across Shasta County, and 54 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Redding addresses
Redding’s own programs
Deferred second loan
City of Redding Silent Second Mortgage Homebuyer Program
First-time homebuyers · New construction · Income limits · Single-family (1-4 unit), FHA-approved condominium, townhome/PUD
Anywhere in ShastaAnywhere in Shasta County
1 county program1 county program a Redding homebuyer can also use
The Redding marketThe Redding housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Redding
- 65.1% single-familysingle-family
- 3.2% townhousetownhouse
- 13.8% 2–4 units2–4 units
- 12.2% 5+ unitscondo & apartment buildings (5+ units)
- 5.8% mobile & othermobile home & other
Condos count. All 3 of Redding’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Redding’s homes were built
pre-19401970s2020+
42.8%
of Redding homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$97,100
County area median income, 4 people (HUD)HUD area median income, Shasta County, 4-person household (2026)
$70,466
Redding median household incomeMedian household income in Redding (Census, 2024)
53 of the 119 programs here set their income limit as a share of Shasta County’s area median income, adjusted for household size. See the published limits for Shasta County
Free help nearbyFree help near Redding
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across California and nationwide
116 statewide & federal programs54 statewide programs, plus federal options
Redding questions
Does Redding have its own down payment program?
Yes, 2: City of Redding PLHA Down Payment Assistance and City of Redding Silent Second Mortgage Homebuyer Program. Each is for homes inside Redding.
Can I use assistance on a condo in Redding?
All 3 of Redding’s local and county programs accept condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Shasta County?
Each program sets its own. 53 of the programs here set theirs as a share of HUD’s area median income for Shasta County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Redding?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
96001 · 96002 · 96003 · 96049 · 96099
Nearby in Shasta
Sources
Sources: agency sites (June–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.