Down Payment Assistance Programs

Qualified households can receive thousands of dollars in down payment assistance that they never have to repay. Our lending experts will tell you which programs you may qualify for and help you apply.

Income at or below 80% AMI*

WISH
Up to $15,000 Forgiven over 5 years
  • • Down payment and/or closing cost assistance
  • • 3:1 Matching grant
  • • First mortgage with approved lender only

Income at or below 80% AMI*

IDEA
Up to $15,000 Forgiven over 5 years
  • • Down payment and/or closing cost assistance
  • • 3:1 Matching grant
  • • Must first complete 10-month savings program

Income at or below $174,200

CalHFA - MyHome
Up to 3.5% of Sale Price
  • • Down payment and/or closing cost assistance
  • • Income based on CalHFA's Orange County limits
  • • First mortgage with CalHFA only

See lender for income limits

Daisy†
Up to $11,961 Forgiven over 3 years
  • • Down payment and/or closing cost assistance
  • • No Payment Required - Grant
  • • Min. Loan: $3,000
  • • Max. Loan: $9,342 (1 Unit) or $11,961 (2 Units)
  • † Exclusively for GROW Program borrowers

See lender for income limits

Platinum‡
Up to 5% of 1st Mortgage Amount
  • • Down payment and/or closing cost assistance
  • • No Payment Required - Grant
  • • Does not need to be a first time home buyer
  • ‡ Available with FHA and Conventional 1st Loans

Income at or below 120% AMI**

Keys to Door II
Up to $15,000 Payments & interest deferred 5 years
  • • Down payment and/or closing cost assistance
  • • 30 Year Loan
  • • No payments or accrued interest for the first 5 years

To qualify for down payment programs, borrowers are required to attend our HUD-Approved Advanced Home Buyer Course and complete a pre-purchase home buyer development session with one of our Home Ownership Advisors. All programs are based on household income eligibility and need. All funds are on a first-come, first-serve basis with a fully executed purchase contract.

*Max Income 1 person 2 people 3 people 4 people 5 people 6 people 7 people

80% AMI

$61,250

$70,000
$78,750
$87,450
$94,450
$101,450
$108,450
2018 HUD area median income limits for Orange County

* These programs are based on the 2018 HUD Area Median Income (AMI) guidelines for Orange County.
** This program is based on the 2018 HUD AMI guidelines for Los Angeles, Orange, Riverside, San Bernardino, and San Diego counties.

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