FHA Down Payment Grants for 2021
Mortgage Assistance for Home Buyers in California

Brentwood Down Payment Assistance Program
The City of Brentwood offers first-time homebuyers the Down Payment Assistance Program (DAP), which provides funds that go toward the down payment and/or closing costs. Assistance comes in the form of a deferred payment loan program for first-time homebuyers.
CalHFA My Home Assistance Program
The CalHFA MyHome Assistance Program offers applicants a deferred-payment junior loan up to 3% of the purchase price/appraised value of the mortgaged property in order to help make the down payment or pay the closing costs.
CalHome Program
The CalHome Program provides applicants up to 17 percent of the total property price for down payment assistance, and 4 percent (up to $10,000) in closing costs assistance. These funds come in the form of a loan with 3 percent simple interest per year, accrued annually.
Emeryville First Time Homebuyer Loan Program
The First Time Homebuyer Loan Program that was established by the City of Emeryville provides down payment assistance to households at or below moderate income. This initiative gets individuals out of the renter’s trap by helping them to pay the heavy, upfront costs of purchasing a home.
First Home Mortgage Program
Under the First Home Mortgage Program, applicants can receive up to 4 percent of the total first mortgage amount to be put toward paying the down payment and closing cost assistance. This assistance comes in the form of a grant, which has no repayment terms.
GSFA Platinum Program
California’s Golden State Finance Authority (GSFA) created the Platinum Program, which provides low-to-moderate income California homebuyers with down payment and/or closing cost assistance to help them achieve their goals of purchasing a home.
Monterey County Down Payment Assistance Program
The FTHB Program provides down payment assistance in the form of a loan, the maximum amount of which may not exceed the lesser of the maximum HOME subsidy limit, 20 percent of the purchase price, or the amount needed as determined by underwriting criteria. The maximum loan amount will never exceed the amount of the primary loan.
Santa Ana Downpayment Assistance Program
Santa Ana’s Downpayment Assistance Loan Program provides eligible applicants up to $40,000 to be put toward the down payment on their new home. These funds are available on a first-come, first-served basis, in the form of a zero-interest loan.

Down payment assistance programs and/or grants were researched by the team at FHA.com. Please note that all programs listed on this website may involve a second mortgage with payments that are forgiven, deferred, or subsidized in some manner until resale of the mortgaged property.
FHA.com's compilation is not a complete list, but it can serve as a starting point in your search for the down payment assistance program or grant for your situation. It is up to the consumer to contact these entities and find out the specifics of each program.

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FHA Down Payment Programs Near You
- Home Sweet Home Hillsborough Program
- Home Ownership Program
- HFA Miami-Dade Mortgage Program
- Broward County Homebuyer Purchase Assistance Program
- State Housing Initiatives Partnership Program
- Orange County Down Payment Assistance Program
- Hardest Hit Fund Down Payment Assistance
- Escambia County Down Payment and Closing Cost Assistance
- Palm Bay HOME Down Payment Assistance Program
- FirstPlus Program
- Home Key Plus 2nd Mortgage
- Tacoma Down Payment Assistance Program
- Seattle Downpayment Assistance Program
- Pierce County Downpayment Assistance Program
- Opportunity Downpayment Assistance Loan Program
- HomeChoice Down Payment Assistance Program
- Bellingham Downpayment Assistance
- ARCH East King County Downpayment Assistance Loan
- Home Advantage Down Payment Assistance Loan Program
- Veterans Downpayment Assistance Loan Program