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Down Payment Assistance: Making Home Ownership Achievable

NeighborWorks Orange County is a nonprofit organization that provides first mortgage broker services, as well as direct lending of down payment assistance programs (DPA’s).

Our DPA’s are designed to assist eligible homebuyers in affording their first home purchase. Eligibility requirements vary depending on the program, but are generally subject to household income limitations and are based on need. In order to determine whether you may be eligible, please contact our Community Impact Team who will help you navigate the path to homeownership. 

The first step on the path to homeownership is pre-purchase counseling and completion of the HUD Approved Homebuyer course. To make an appointment or register for a HUD Approved Homebuyer course, click here 

Once our Community Impact Team has determined your eligibility for down payment assistance, you will be contacted by our Loan Department who will review our programs with you and help you determine the best down payment assistance for you. Your loan officer will also provide you with options for your first mortgage lender if you have not already selected one. DPA programs are subject to availability. Recently we have offered CalHome, CalHFA, and proprietary NWOC DPA’s.

Our Community Impact and Lending teams look forward to working with you toward the purchase of your first home!

What is Down Payment Assistance?

NeighborWorks Orange County knows that homeownership can feel out of reach for many people. Coming up with 20% to put down on a conventional loan may seem insurmountable. So, we not only offer but promote down payment assistance programs. Don’t leave money on the table.


Know the price of your ideal home and your down payment amount

Reach Out

Reach out to explore down payment assistance options you qualify for


Choose between traditional down payment assistance or matching fund options


Use your down payment assistance to find the right home

Down Payment Assistance

Don't Leave Money on the Table

Qualified households can receive thousands of dollars in down payment assistance through grants and loans. Our lending experts will tell you which programs you may qualify for and help you apply.

To qualify for down payment programs, borrowers are required to attend our HUD-Approved Advanced Homebuyer Course and complete a pre-purchase homebuyer development session with one of our HomeOwnership 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.
* These programs are based on HUD Income Limits for Orange, Los Angeles, Riverside, San Bernardino, and San Diego Counties.
** These programs are based on the HUD Income Limits for Orange County. ‡ Platinum “Select” eligible borrowers must be in, or retired from, one of the following professions in CA. The lender will not make any exceptions. Proof of eligibility is required at the time of lock.

  • Peace officers, Sheriff Deputies, Border Patrol Agents, Correctional Officers and others serving in a Law Enforcement capacity and employees of the eligible agency.
  • Firefighters, CalFire, Paramedic, Emergency Medical Technicians (EMTs), including the employees of the eligible agency.
  • Current members of the California State Teachers Retirement System (CalSTRS), University of California Retirement Plan (UCRP), employees of a California accredited Private, Charter or Public School District or California State University, Junior College or Private College, including their school employees. Verify a K-12 school’s accreditation at:
  • Employees do not need to be tenured
  • Part-time employees are eligible
  • Medical sector employees must be actively employed. Examples of eligible employees include: Health Services (HHS), nursing homes, doctor’s offices, medical research, medical labs, lab/medical office couriers


Get Into Your Dream Home Sooner

What if down payment assistance shortened the time it took to save for your down payment?

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Down Payment Assistance