Calaveras County Down Payment Assistance Program
Deferred second loan · New construction · Income limits
Down payment assistance · Calaveras County
Buying a home in Valley Springs, CA
2 county programs and 54 statewide.Valley Springs has no program of its own, 2 across Calaveras 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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What’s local to Valley Springs
No program of Valley Springs’s own yet
No program run for Valley Springs alone is listed. A home in Valley Springs can use Calaveras County’s programs below, plus the California statewide and federal ones.
The closest city that runs its own program is Riverbank, about 32 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in CalaverasAnywhere in Calaveras County
2 county programs2 county programs a Valley Springs homebuyer can use
The Valley Springs marketThe Valley Springs housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Valley Springs
- 68.1% single-familysingle-family
- 0% townhousetownhouse
- 10.1% 2–4 units2–4 units
- 0% 5+ unitscondo & apartment buildings (5+ units)
- 21.8% mobile & othermobile home & other
Condos count. All 2 of Valley Springs’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Valley Springs’s homes were built
pre-19401970s2020+
89.9%
of Valley Springs 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.
$102,600
County area median income, 4 people (HUD)HUD area median income, Calaveras County, 4-person household (2026)
$45,786
Valley Springs median household incomeMedian household income in Valley Springs (Census, 2024)
51 of the 118 programs here set their income limit as a share of Calaveras County’s area median income, adjusted for household size. See the published limits for Calaveras County
Free help nearbyFree help near Valley Springs
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Valley Springs’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Calaveras County Down Payment Assistance Program asks 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
Valley Springs questions
Does Valley Springs have its own down payment program?
No program run for Valley Springs alone is listed. A home in Valley Springs can use the 2 programs that cover Calaveras County and the 54 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Valley Springs?
All 2 of Valley Springs’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 Calaveras County?
Each program sets its own. 51 of the programs here set theirs as a share of HUD’s area median income for Calaveras 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 Valley Springs?
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
95252
Nearby in Calaveras
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.