Deferred second loan
City of Roseville First-Time Homebuyer Program
First-time homebuyers · New construction · Income limits · Single-family (1-4 unit), FHA-approved condominium, townhome/PUD
Down payment assistance · Placer County
Buying a home in Roseville, CA
1 Roseville program, 2 county programs and 54 statewide.Roseville has 1 program of its own, 2 more across Placer 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 Roseville addresses
Roseville’s own program
Anywhere in PlacerAnywhere in Placer County
2 county programs2 county programs a Roseville homebuyer can also use
The Roseville marketThe Roseville housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Roseville
- 75.2% single-familysingle-family
- 3.4% townhousetownhouse
- 4.6% 2–4 units2–4 units
- 15.5% 5+ unitscondo & apartment buildings (5+ units)
- 1.3% mobile & othermobile home & other
Condos count. All 3 of Roseville’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Roseville’s homes were built
pre-19401970s2020+
17.3%
of Roseville 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.
$124,000
County area median income, 4 people (HUD)HUD area median income, Placer County, 4-person household (2026)
$119,288
Roseville median household incomeMedian household income in Roseville (Census, 2024)
52 of the 119 programs here set their income limit as a share of Placer County’s area median income, adjusted for household size. See the published limits for Placer County
Free help nearbyFree help near Roseville
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.2 of the 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
Roseville questions
Does Roseville have its own down payment program?
Yes, one: City of Roseville First-Time Homebuyer Program, a deferred second loan for first-time homebuyers (new construction, income limits). It is for homes inside Roseville.
Can I use assistance on a condo in Roseville?
All 3 of Roseville’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 Placer County?
Each program sets its own. 52 of the programs here set theirs as a share of HUD’s area median income for Placer 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 Roseville?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Roseville. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
95661 · 95678 · 95747
Nearby in Placer
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.