FIRST-TIME HOME BUYER PROGRAMS AVAILABLE

OPEN DOORS

The Open Doors Program provides homebuyers in California with flexible down payment assistance options. Both new and existing homebuyers can receive Down Payment Assistance of up to 6.5% of the mortgage amount with up to 4% as a gift that never has to be repaid! (Due to COVID-19 program is currently on hold)

CalHFA

CalHFA provides low-interest rate home financing to low to moderate-income homebuyers in California, as well as down payment and closing cost assistance.

CalPlus with ZIP

For first-time homebuyers looking for a fixed-rate mortgage with closing cost assistance combined into one perfect package, CalPLUS with ZIP is a great option!

School Teacher and Employee Assistance Program (STEAP) 

California K-12 school employees can receive up to 4% of the home’s sales price or appraised value (whichever is less) that can be used for the down payment and closing costs.

GSFA Platinum  

The program is designed to increase homeownership opportunities for low-to-moderate-income individuals and families in California. Down payment assistance is available in the form of a forgivable second mortgage.

Chenoa  

Provides home buyers down payment assistance up to 3.5% of the purchase price.

Mortgage Credit Certificate  

Allows first-time homebuyers to claim a tax credit for a portion of the mortgage interest and in many cases qualifies for monthly savings in housing ratios.

Get Your First-Time Home Buyer Guide for Tips and Tricks on how you can buy a home for little to no money down!

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