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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 $22,000 Forgiven over 5 years
  • • Down payment and/or closing cost assistance
  • • 4:1 Matching grant
  • • Restrictions apply. Contact us for information.

See lender for income limits

GSFA OpenDoorsTM
Up to 6% of FHA 1st Mortgage Amount
  • • Down payment and/or closing cost assistance
  • • Comes with deferred payment, 0% interest 2nd lien of 2.0% of the total 1st mortgage loan amount incl. MIP
  • • Choose an optional grant - forgiven at closing, no lien (approx 1-4.5% of the 1st mortgage total loan amount)
  • • Does not need to be a first time home buyer; must be primary residence. FICO as low as 620
  • • Restrictions apply, see lender for details

Income at or below $193,000

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

Income at or below 120% AMI**

Keys to Doors 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

See lender for income limits

GSFA OpenDoorsTM
Up to 6% of FHA 1st Mortgage Amount
  • • Down payment and/or closing cost assistance
  • • Comes with deferred payment, 0% interest 2nd lien of 2.0% of the total 1st mortgage loan amount incl. MIP
  • • Choose an optional grant - forgiven at closing, no lien (approx 1-4.5% of the 1st mortgage total loan amount)
  • • Does not need to be a first time home buyer; must be primary residence. FICO as low as 620.

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 $193,000

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 $13,475 Forgiven over 3 years
  • • Down payment and/or closing cost assistance
  • • No Payment Required - Grant
  • • Min. Loan: $3,000
  • • Max. Loan: $10,523 (1 Unit) or $13,475 (2 Units)
  • † Exclusively for GROW Program borrowers
Mortgage Credit Certificate
Tax Credit (available in addition to certain programs above!)
  • • Provides eligible first-time home buyers with a federal income tax credit based on a specific percentage of the annual interest paid on a mortgage loan.
  • • Increases monthly income to qualify for a higher first mortgage.
Mortgage Credit Certificate
Tax Credit (available in addition to certain programs above!)
  • • Provides eligible first-time home buyers with a federal income tax credit based on a specific percentage of the annual interest paid on a mortgage loan.
  • • Increases monthly income to qualify for a higher first mortgage.
*Max Income 1 person 2 people 3 people 4 people 5 people 6 people 7 people 8 people

80% AMI*

$66,500

$76,000

$85,500

$94,950

$102,550

$110,150

$117,750

$125,350

120% AMI**
(Orange County)

$99,700

$113,950

$128,200

$142,450

$153,850

$165,250

$176,650

$188,000

120% AMI**
(Los Angeles County)

$87,700

$100,200

$112,750

$125,300

$135,300

$145,300

$155,350

$165,350

120% AMI**
(Riverside & San Bernardino
Counties)

$60,300

$68,950

$77,550

$86,150

$93,050

$99,950

$106,850

$113,750

120% AMI**
(San Diego County)

$89,900

$102,700

$115,550

$128,400

$138,650

$148,950

$159,200

$169,500

* These programs are based on the 2019 HUD Area Median Income (AMI) guidelines for Orange County.
** This program is based on 2019 HUD NSP Income Limits for Orange, Los Angeles, Riverside, San Bernardino, and San Diego Counties.

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