Zero Downpayment Grants – Conventional & FHA Home Loans in California

It is now possible to buy a home in California with ZERO down-payment. Loan amounts up to $417,000.

This new program provides eligible families and individuals with a grant that never has to be repaid.

The grant ( up to 5% of the loan amount ) can be used towards the down-payment or closing costs. Many times this assistance allows a home-buyer to purchase much sooner than they thought possible.

This new program is available for the purchase of an owner-occupied primary residence including condos, town-homes, and single family homes. The program is available for both new and existing home purchases and is NOT limited to first time home-buyers.

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We process, underwrite , and fund these in house for the quickest and smoothest process possible!

Highlights

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  • No requirement to be a first-time homebuyer or Veteran (athough the grant works with VA loans as well)
  • No Need to Pay Back the Grant… EVER!
  • Income Limits Apply (See Below)
  • For Owner Occupied Primary Homes
Conventional Loans FHA, VA, and USDA
County Income Limit County Income Limit
Alameda $134,120 Alameda $106,835
Alpine $132,860 Alpine $109,135
Amador $94,360 Amador $80,155
Butte $80,155 Butte $80,155
Calaveras $98,280 Calaveras $80,730
Colusa $82,180 Colusa $80,155
Contra Costa $134,120 Contra Costa $106,835
Del Norte $80,155 Del Norte $80,155
El Dorado $100,100 El Dorado $82,225
Fresno $80,155 Fresno $80,155
Glenn $80,155 Glenn $80,155
Humboldt $80,155 Humboldt $80,155
Imperial $80,155 Imperial $80,155
Inyo $100,100 Inyo $82,225
Kern $80,155 Kern $80,155
Kings $80,155 Kings $80,155
Lake $80,155 Lake $80,155
Lassen $97,160 Lassen $80,155
Los Angeles $95,060 Los Angeles $80,155
Madera $80,155 Madera $80,155
Marin $134,120 Marin $117,185
Mariposa $86,660 Mariposa $80,155
Mendocino $82,460 Mendocino $80,155
Merced $80,155 Merced $80,155
Modoc $80,155 Modoc $80,155
Mono $107,800 Mono $88,550
Monterey $91,000 Monterey $80,155
Napa $117,880 Napa $96,830
Nevada $94,500 Nevada $80,155
Orange $98,785 Orange $98,785
Placer $100,100 Placer $82,225
Plumas $80,155 Plumas $80,155
Riverside $84,700 Riverside $80,155
Sacramento $100,100 Sacramento $82,225
San Benito $148,820 San Benito $83,720
San Bernardino $84,700 San Bernardino $80,155
San Diego $102,200 San Diego $83,950
San Francisco $134,120 San Francisco $117,185
San Joaquin $83,440 San Joaquin $80,155
San Luis Obispo $107,940 San Luis Obispo $88,665
San Mateo $134,120 San Mateo $117,185
Santa Barbara $105,560 Santa Barbara $86,710
Santa Clara $148,820 Santa Clara $122,245
Santa Cruz $121,800 Santa Cruz $100,050
Shasta $80,155 Shasta $80,155
Sierra $83,720 Sierra $80,155
Siskiyou $80,155 Siskiyou $80,155
Solano $104,300 Solano $85,675
Sonoma $103,040 Sonoma $84,640
Stanislaus $80,155 Stanislaus $80,155
Sutter $80,155 Sutter $80,155
Tehama $80,155 Tehama $80,155
Trinity $80,155 Trinity $80,155
Tulare $80,155 Tulare $80,155
Tuolumne $89,040 Tuolumne $80,155
Ventura $119,420 Ventura $98,095
Yolo $100,100 Yolo $83,030
Yuba $80,155 Yuba $80,155

 

NOTE: Not all applicants will qualify. These Programs may have a higher interest rate, more points or more fees than other Programs requiring documentation. Minimum FICO, reserve, and other requirements apply. Programs may not be available in all states. Contact your Loan Officer for additional program guidelines, restrictions, and eligibility requirements. Rates, points, APRs and programs are subject to change at any time without notice.

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