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Down Payment Assistance

Take the first step towards homeownership in the Bay Area! Local down payment assistance programs present a golden opportunity to make your dream of owning a home a reality. By providing down payment funds, increasing your purchasing power, and reducing your monthly payments, these programs can significantly enhance your chances of securing your ideal property. Take advantage of the information and resources available here, and soon you'll be settling into your new home. 

CA Down Payment Assistance Programs

Review the available down payment assistance programs in your county below!

City Second Loan Program

City Second Loan Program

The City Second Loan Program provides a downpayment loan, which can be up to $500,000, but depends on fund availability. The loan is used to bid on a collection of properties also advertised on the open market. 

Dreamkeepers

Dreamkeepers

Through the DK-DALP, MOHCD is providing an additional opportunity for low to middle-income buyers to compete in San Francisco’s high-cost housing market. The DK-DALP is a down payment loan up to $500,000 to bid on a property on San Francisco's open market.

Down Payment Assistance Loan Program (DALP)

Down Payment Assistance Loan Program (DALP)

DALP provides down payment assistance of up to $500,000 to help low- to middle-income first-time homebuyers purchase a market-rate property in San Francisco. 

NeighborhoodLIFT

NeighborhoodLIFT

NeighborhoodLIFT is now available in the Greater San Francisco Bay Area! The NeighborhoodLIFT® program, a collaboration between Wells Fargo and NeighborWorks® America, offers down payment assistance for eligible homebuyers who complete approved homebuyer education. 

AC Boost

AC Boost

AC Boost provides shared appreciation loans of up to $210,000 to assist middle-income first-time homebuyers to purchase a home in Alameda County!

Teacher Next Door Program

Teacher Next Door Program

All classroom teachers, Pre-K through 12, may purchase ANY home on the market through the Teacher Next Door Program. Plus, you are eligible for the Teacher Next Door Grant and additional down payment assistance for teachers.

CalHFA MyHome Assistance Program

CalHFA MyHome Assistance Program

MyHome offers a deferred-payment junior loan of an amount up to the lesser of 3% of the purchase price or appraised value to assist with down payment and/or closing costs.

The Workforce Initiative Subsidy for Homeownership (WISH) Program

The Workforce Initiative Subsidy for Homeownership (WISH) Program

A 4-to-1 matching program.. Here's how it works: Let's say you have $5,500 for a down payment. WISH will match that with $22,000. Your total down payment on your first home is now $27,500.

Below Market Rate Downpayment Assistance Loan Program (BMR DALP)

Below Market Rate Downpayment Assistance Loan Program (BMR DALP)

MOHCD provides need-based downpayment assistance for low and moderate income households who otherwise would not be able to buy a BMR unit. MOHCD will only extend loan funds when it is necessary for a borrower to qualify for an affordable mortgage.

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The Bomb Diggity Plain and simple. Period Steven was amazing, he kept me informed and always answered my calls. I was nervous about the transaction but he was transp...
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Steve Williams

REALTOR®, ABR®, GREEN, SRS

Guiding homeowners through the home buying and home selling process the EASY way!

We are committed to upholding the principles of all applicable fair housing laws