Low Income Home Buying Assistance California ★ Pro & Newest

: A high-impact shared appreciation loan providing up to 20% of the home's price (capped at $150,000) for a down payment. Borrowers repay the original loan plus a share of the home's future appreciation when they sell or refinance. Grants and Forgivable Loans

: This offers zero-interest loans specifically for closing costs, which can be layered with other CalHFA first mortgages. low income home buying assistance california

: Offered by the Golden State Finance Authority , this provides grants or forgivable loans up to 5% of the loan amount. These are often forgiven after just three years of residency. : A high-impact shared appreciation loan providing up

Unlike traditional loans, some programs offer funds that do not need to be repaid if certain residency requirements are met. : Offered by the Golden State Finance Authority

To access these programs, you generally must meet the following criteria: