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Find a California Home Buying Program

Are you a first-time homebuyer in California?

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Down Payment Assistance Can Help

Up to 7% Assistance

Helps homebuyers in California purchase a home by providing down payment and/or closing cost assistance (DPA), up to 7% of the First Mortgage Loan amount.

First Time Buyers & More

Homebuyers do not have to be a first-time home buyer to qualify. The GSFA Open Doors Program is available to all home buyers.

FHA Loans + More

Conventional, FHA, VA, and USDA fixed mortgages are all options with down payment assistance.

Less Than Perfect Credit

As low as a 640 credit score is required for down payment assistance.

How it works

first Share a few details
first No Down
first Hi, I’m Chad, your loan officer, How can I help?
first Share a few details
first No Down
first Hi, I’m Chad, your loan officer, How can I help?
1

Choose your best option

It all starts here by choosing the best down payment assistance option that fits your home purchase plan.

2

Compare down dayment options

We will provide you an easy to follow estimate with loan program, down payment assistance, interest rate, monthly payment and cash to close.

3

Painless pre-approval

Once you know your options you submit an application to become pre-approved.

Find My Down

Takes two minutes. Won’t affect your credit score.

Frequently asked questions

Q: How does a home buyer qualify for a down payment assistance program?
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Buyers must have qualifying income, meet at least 640 credit score and occupy as primary residence. Ask your loan officer for additional qualifications.

Q: How much do I get with down payment assistance?
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Your down payment assistance depends on which program you qualify for and which program fit you best. Down payment assistance programs have income limits, but do not worry we can review all loan program options with you.

Q: Do you offer a FHA Loan with down payment assistance?
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Yes, FHA is an excellent choice. We also offer Conventional, VA, and USDA fixed mortgages. Each loan program have different guidelines.

Q: Can down payment assistance really help me buy a home?
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Yes, we help home buyers every day to cover down payment and closing costs. Achieve your goal to purchase a home.

Q: Do I have to pay back down payment assistance?
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The DPA Second Mortgage provided through the GSFA Open Doors Program has a repayment requirement. The Deferred DPA Second Loan has a 30-year term and a zero percent note rate. It accrues no interest, has no monthly payments, but is due and payable upon sale, refinance or payoff of the First Mortgage. Any DPA provided as a Gift, does not have to be repaid.

Q: What is the first step to for a down payment assistance program?
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Start with “FIND MY DOWN” answer the questions, connect with our down payment assistance specialist and have your options outlined for you.

Get started in minutes

Speed matters. Which is why you can get information today. Without affecting your credit score.

Find My Down

Won’t affect your credit score.

(855) 692-0102 - Whitefish Stage, Kalispell, Montana 59901 - Equal Housing Lender Corp NMLS #2550 Alaska (AK2550), Arizona (0907705), California (4130981), Colorado (2550), District of Columbia (MLB2550), Hawaii (HI-2550), Idaho (MBL-437), Maryland (23418), Minnesota (MN-MO-2550), Montana (2550), Nevada (2342), New Mexico (250489), North Carolina (185883), North Dakota (MB101542), Oregon (ML-832), South Dakota (ML.05197), Texas (2550), Utah (7956014), Virginia (MC-6860), Washington (CL-2550), Wisconsin (2550BA), Wyoming (1004). Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. Texas Complaint and Recovery Fund Notice Mann Mortgage, LLC is not endorsed by, nor acting on behalf of or at the direction of, the U.S. Department of Housing and Urban Development, Federal Housing Administration, the Veterans Administration, the U.S. Department of Agriculture or the Federal Government. All programs are subject to credit and income qualification. This is not a guarantee of financing or a firm offer of credit. Interest rates are not guaranteed and subject to change or become unavailable at time of commitment or closing. 1220 Whitefish Stage, Kalispell, MT 59901