California Home Buying Assistance ★ Popular & Newest

California offers several programs designed to reduce upfront costs for first-time buyers:

: A deferred-payment junior loan that provides up to 3% (for conventional loans) or 3.5% (for FHA/VA/USDA loans) of the purchase price for down payments or closing costs.

: Provides up to 20% of the purchase price or $150,000 (whichever is less) for down payments through a shared appreciation model.