hey prescott

Down payment assistance

Down payment assistance in Santa Clara, CA

121 programs a Santa Clara buyer could use — grants, forgivable loans, and tax credits. Free to explore, no SSN, no credit pull.

Free forever · No credit pull · 90 seconds

Programs available
121

Programs available

Open to first-time buyers
60

Open to first-time buyers

Forgivable
82

Forgivable

Largest award
$150,000

Largest award

121 programs

In Santa Clara

1 program

City of Santa Clara First-Time Homebuyer Program

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

In Santa Clara County

11 programs

City of Cupertino Below Market Rate Homeownership Program

Deferred

Deferred second loan · New construction · Income limits

First-time

City of Milpitas Below Market Rate Homebuyer Program

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

City of Mountain View First-Time Homebuyer Program

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

City of Palo Alto Below Market Rate Homeownership Program

Assistance

Shared-appreciation loan · New construction · Income limits

First-time
Verified Jun 2026

City of San Jose First-Time Homebuyer Assistance

Deferred

Deferred second loan · New construction · Income limits

First-time

City of San Jose HEART Program (Housing for Everyone Accessible in the Region)

Deferred

Deferred second loan · New construction · Income limits

First-time

City of Sunnyvale First-Time Homebuyer Program

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

Destination Home

Deferred

Deferred second loan · Income limits

First-time
Verified Jun 2026

GSFA Platinum Grant - Santa Clara County Specific

5.5% of price

Assistance grant · New construction · Income limits

Verified Jun 2026

Santa Clara County Housing Authority Below Market Rate Partnership Program

Assistance

Shared-appreciation loan · Income limits

First-time

Stanford University Faculty Staff Housing Assistance

Deferred

Deferred second loan · New construction · Income limits

Across California

60 programs

California Dream For All

Up to $150,000

Shared-appreciation loan · Income limits

First-time
Verified Jun 2026

Wells Fargo NeighborhoodLIFT - Bay Area California

Up to $25,000

Forgivable loan · Forgiven over 5 yrs · Income limits

First-time

Bank of America Down Payment Grant - California

Up to $10,000

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

Wells Fargo Homebuyer Access Grant - California

Up to $10,000

Assistance grant · New construction · Income limits

Verified Jun 2026

Bank of America America's Home Grant - California

Up to $7,500

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

Chase Homebuyer Grant - California DDA Areas ($7,500)

Up to $7,500

Assistance grant · New construction · Income limits

Verified Jun 2026

Citi HomeRun Mortgage + Lender Credit - California

Up to $7,500

Assistance grant · New construction · Income limits

Verified Jun 2026

Chase Homebuyer Grant - California ($5,000)

Up to $5,000

Assistance grant · New construction · Income limits

Verified Jun 2026

Wells Fargo Dream.Plan.Home. Closing Cost Credit - California

Up to $5,000

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

Bay Equity Home Loans CalHFA DPA Partner

3.5% of price

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

CalCon Mutual Mortgage HomeStar Grant

Grant

Assistance grant · New construction · Income limits

CalHFA CalPLUS Conventional + ZIP Combined Program

3% of price

Deferred second loan · Forgiven over 3 yrs · Income limits

First-time
Verified Jun 2026

CalHFA CalPLUS FHA + ZIP Combined Program

3% of price

Deferred second loan · Forgiven over 3 yrs · Income limits

First-time
Verified Jun 2026

CalHFA Dream For All Shared Appreciation Loan

20% of price

Shared-appreciation loan · New construction · Income limits

First-time
Verified Jun 2026

CalHFA Forgivable Equity Builder Loan (FEBL)

10% of price

Forgivable loan · Forgiven over 5 yrs · Income limits

First-time
Verified Jun 2026

CalHFA Mortgage Credit Certificate (MCC) Program

20% of price

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

CalHFA MyAccess Assistance Program

3.5% of price

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

CalHFA MyHome Assistance Program

3.5% of price

Deferred second loan · Income limits

First-time
Verified Jun 2026

CalHFA School Teacher and Employee Assistance Program (STEAP)

3% of price

Deferred second loan · New construction · Income limits

First-timeEducators
Verified Jun 2026

CalHFA USDA Program with MyHome

3.5% of price

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

CalHFA VA Loan Program with MyHome

3.5% of price

Deferred second loan · New construction · Income limits

First-timeVeterans
Verified Jun 2026

CalHFA ZIP Program

3% of price

Forgivable loan · Forgiven over 30 yrs · Income limits

Verified Jun 2026

California FarmLink Farmworker Homeownership Program

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

CalSTRS CalPATH Teacher Home Loan and DPA - California

3.5% of price

Deferred second loan · New construction · Income limits

First-timeEducators
Verified Jun 2026

Chenoa Fund FHA Forgivable DPA (3.5% - 36 month)

3.5% of price

Forgivable loan · Forgiven over 3 yrs · Income limits

Verified Jun 2026

Chenoa Fund FHA Rate Advantage (Forgivable 3.5%)

3.5% of price

Forgivable loan · Forgiven over 3 yrs · Income limits

Verified Jun 2026

Chenoa Fund FHA Repayable DPA (3.5%)

3.5% of price

Assistance grant · New construction · Income limits

Fannie Mae HomePath Ready Buyer Program - California

3% of price

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

Fannie Mae HomeReady DPA (Participating Lender Grants)

Grant

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

FHLBank San Francisco Affordable Housing Program (AHP) Set-Aside

Grant

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program

Grant

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

FHLBank San Francisco WISH Program (Workforce Initiative Subsidy for Homeownership)

Grant

Assistance grant · Forgiven over 5 yrs · Income limits

First-time

Freddie Mac BorrowSmart Access (California)

Grant

Assistance grant · New construction · Income limits

First-time

Golden State Finance Authority (GSFA) OpenDoors Conventional DPA

5% of price

Assistance grant · New construction · Income limits

Verified Jun 2026

Golden State Finance Authority (GSFA) OpenDoors FHA DPA

5% of price

Assistance grant · New construction · Income limits

Verified Jun 2026

GSFA Assist-to-Own Program (County Employees)

5.5% of price

Deferred second loan · New construction · Income limits

Verified Jun 2026

GSFA OpenDoors Program

7% of price

Deferred second loan · New construction · Income limits

Verified Jun 2026

GSFA Platinum Forgivable Loan

5.5% of price

Forgivable loan · Forgiven over 3 yrs · Income limits

Verified Jun 2026

GSFA Platinum Grant Program

5.5% of price

Assistance grant · New construction · Income limits

Verified Jun 2026

HCD CalHome Program (Direct State Allocation - Various Counties)

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

HomeFundIt Crowdfunding Down Payment Platform - California

Grant

Assistance grant · New construction · Income limits

Verified Jun 2026

HomeFundMe by CMG Financial (Crowdfunding DPA)

Grant

Assistance grant · New construction · Income limits

loanDepot Grand Slam Grant Program

Grant

Assistance grant · New construction · Income limits

MassHousing Operation Welcome Home (California Veterans)

Grant

Assistance grant · New construction · Income limits

NACA Purchase Program - California

Deferred

Deferred second loan · New construction · Income limits

Verified Jun 2026

NHF Sapphire Grant Program - California

5% of price

Assistance grant · New construction · Income limits

Verified Jun 2026

NHF Sapphire Grant Program - FHA (California)

5% of price

Assistance grant · New construction · Income limits

Verified Jun 2026

Pacific Premier Bank Community Homebuyer Grant

Grant

Assistance grant · New construction · Income limits

First-time

Patelco Credit Union CalHFA Partnership DPA

3.5% of price

Deferred second loan · New construction · Income limits

First-time

ReCoverCA Homebuyer Assistance Program (DR-HBA)

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

Verified Jun 2026

Redwood Credit Union Community Fund Down Payment Assistance

5% of price

Assistance grant · New construction · Income limits

First-time
Verified Jun 2026

Rural California Housing Corporation (RCHC) DPA

Deferred

Deferred second loan · New construction · Income limits

First-time

Self-Help Enterprises Down Payment Assistance - Central Valley

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

Self-Help Enterprises Homeownership Program (San Joaquin Valley)

Deferred

Deferred second loan · New construction · Income limits

First-time

Springboard CDFI California Homebuyer Assistance

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

Tri Counties Bank / Self-Help Enterprises DPA - Central Valley

Deferred

Deferred second loan · New construction · Income limits

First-time
Verified Jun 2026

U.S. Bank Access Home Loan - California

3% of price

Assistance grant · New construction · Income limits

Verified Jun 2026

UC Systemwide Mortgage Origination Program (UC MOP)

100% of price

Assistance grant · New construction · Income limits

Verified Jun 2026

USDA Section 502 Guaranteed Loan - Rural California

100% of price

Assistance grant · New construction · Income limits

Veterans Land Board of Texas Home Loan (CA Veteran Alternative)

Grant

Assistance grant · New construction · Income limits

Federal

49 programs

American Pacific Mortgage 1% Home Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide

American Pacific Mortgage Pathway DPA

Deferred

Deferred second loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

BluePoint Mortgage Zero-Down Home Loan

0.035% of price

Deferred second loan · Income limits

Nationwide
Verified Jun 2026

BNY Down Payment Assistance

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

Chico Rancheria Housing Corporation Homebuyer Assistance

0.25% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Confederated Tribes of Grand Ronde Down Payment Assistance

0.2% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

CrossCountry Mortgage Community Promise

Grant

Assistance grant · Income limits

NationwideTargeted area

CrossCountry Mortgage Non-QM loans

Grant

Assistance grant

Nationwide
Verified Jun 2026

CrossCountry Mortgage Smart Start Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwideTargeted area

Direct Mortgage Loans Go Direct FHA 100% Financing

0.035% of price

Deferred second loan · Income limits

Nationwide

Empowered DPA Program Down Payment Assistance

Deferred

Deferred second loan · Income limits

Nationwide
Verified Jun 2026

Guild Mortgage 1% Down Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Guild Mortgage 3-2-1 Home Plus Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

Guild Mortgage Doctor and Medical Professionals Program

Grant

Assistance grant

Nationwide

Guild Mortgage MyPath2Own Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwide

Guild Mortgage Zero Down Mortgage Program

Deferred

Deferred second loan · Income limits

First-timeNationwideTargeted area

Lakeview National Down Payment Assistance Homeownership Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

Land Home Financial Services, Inc. House2Home Program

Deferred

Deferred second loan · Income limits

Nationwide

Lennar Mortgage Advantage Plus Program

Grant

Assistance grant · New construction

Nationwide
Verified Jun 2026

Lennar Mortgage Breathe Easy Program

Grant

Assistance grant · New construction

Nationwide

Luminate Bank Luminate PATH National DPA Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

NACA Homeownership through Public Housing Assistance (HOT-PHA)

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

NACA's New Construction Homes

Grant

Assistance grant · New construction · Income limits

Nationwide

NASA FCU $0 Down, No PMI Mortgage Purchase

Grant

Assistance grant

Nationwide
Verified Jun 2026

Navy Federal Credit Union Homebuyers Choice Loan

Grant

Assistance grant

First-timeNationwideVeterans
Verified Jun 2026

Navy Federal Credit Union Military Choice Loan

Grant

Assistance grant

NationwideVeterans
Verified Jun 2026

New American Funding Pathway to Homeownership

Grant

Assistance grant · Income limits

First-timeNationwide

North Fork Rancheria Indian Housing Authority Down Payment Assistance Program

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Northern Circle Indian Housing Authority Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Northpointe Bank ONE+ Loan Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

PNC Bank Low to Moderate Income Borrower Grant

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

PNC Bank PNC Grant

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jun 2026

Primary Residential Mortgage Down Payment Program

Deferred

Deferred second loan · Income limits

Nationwide
Verified Jun 2026

Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

Rocket Mortgage ONE+ By Rocket Mortgage Program

0.02% of price

Assistance grant · Income limits

Nationwide
Verified Jun 2026

Siletz Tribal Housing Department Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

State Department Federal Credit Union First-Time Homebuyer Mortgage

Grant

Assistance grant

First-timeNationwide
Verified Jun 2026

Tricon Down Payment Assistance Program

Deferred

Deferred second loan · Income limits

Nationwide

Tyndall Federal Credit Union $1,000 Off Closing Cost

Grant

Assistance grant

Nationwide
Verified Jun 2026

Tyndall Federal Credit Union $450 Closing Cost

Grant

Assistance grant

Nationwide
Verified Jun 2026

U.S. Department of Housing and Urban Development (HUD) Good Neighbor Next Door

0.5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

NationwideEducators
Verified Jun 2026

U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

U.S. Department of Housing and Urban Development HCV Homeownership Program

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

U.S. Department of the Interior Indian Affairs Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

U.S. Department of Veterans Affairs Native American Direct Loan

Grant

Assistance grant · Income limits

NationwideVeterans
Verified Jun 2026

U.S. Department of Veterans Affairs Specially Adapted Housing (SAH) Grant

Grant

Assistance grant · Income limits

NationwideVeterans

U.S. Department of Veterans Affairs VA-backed Purchase Loan

Grant

Assistance grant · Income limits

NationwideVeterans
Verified Jun 2026

USDA Rural Development Single Family Housing Guaranteed Loan Program

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

USDA Single Family Housing Direct Home Loan (Section 502 Direct)

USDA Rural Development (Vermont/New Hampshire State Office)

First mortgage

First mortgage · New construction · Income limits

Nationwide
Verified Jun 2026

90-second match

Not sure which you qualify for?

Answer 9 questions and we'll match you to every program you can actually use — in about 90 seconds. No SSN, no credit pull.

Find my programs

Questions, answered

The honest answers first

Do I need to share my SSN or get a credit check?
No. Exploring programs on Hey Prescott is free and anonymous — no Social Security number, no credit pull. You only share details when you choose to apply with a lender.
Is this free?
Yes. Browsing programs and getting matched is free. Hey Prescott is not a lender and never charges you to use it.
Are these all the programs?
We list active programs we've verified for Santa Clara and California, refreshed regularly. New programs are added as agencies publish them — check back as your search continues.
Can I use more than one?
Often, yes. Many buyers combine ("stack") a grant or forgivable second with a statewide or federal program. Stacking and eligibility rules are set by each administering agency.
How current is this?
We re-verify programs regularly; each program card shows the date it was last verified. Always confirm the latest terms on the official program site before you apply.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.