Down Payment Assistance: Making Home Ownership Achievable

• Income at or below 80% AMI*
• 30 Year Loan
• Payments & interest deferred for 5 years
• Must be a first-time homebuyer
• To be used towards down payment and/or closing costs

• Income at or below 120% AMI*
• 30 Year Loan
• Payments & interest deferred for 5 years
• Must be a first-time homebuyer
• To be used towards down payment and/or closing costs

• Income at or below 80% AMI*
• 30 Year Loan
• Payments & interest deferred for 5 years
• Must be a first-time homebuyer
• To be used towards down payment and/or closing costs

• Income at or below 80% AMI**
• 1st mortgage must be with an NWOC-approved lender
• Must be a first-time homebuyer (as defined by AHP implementation plan)
• To be used towards down payment and/or closing costs

• Income at or below $140,800 (Orange County)
• Income at or below $102,880 (LA County)
• OR property located in a low or moderate income census tract (FFIEC.gov)
• Min. Loan: $3,000
• Max. Loan: $10,523 (1-Unit) or $13,475 (2-Unit)
• Does not need to be a first-time homebuyer
• To be used towards down payment and/or closing costs
• † Borrowers only eligible with 1st TD GROW

CalHFA Conventional: Lesser of 3% or $10,000 of purchase price or appraised value

CalHFA FHA: Lesser of 3.5% or $10,000 of purchase price or appraised value

• Income at or below $193,800 (Orange County) - see CalHFA income limits
• Max. purchase price $795,000
• Must be a first-time homebuyer
• To be used towards down payment and/or closing costs

• No income limit
• Available with FHA loans only
• Does not need to be a first-time homebuyer
• To be used towards down payment and/or closing costs
• Platinum Select
• Becomes a forgivable "grant" at close of escrow
• Freddie Mac & income at or below 80% AMI
• Eligible borrowers must be in, or retired from, one of the approved occupations, in California‡
• (see page for more information)
• Medical sector employees must be actively employed
• Does not need to be a first-time homebuyer
• To be used towards down payment and/or closing costs

• Income at or below $193,800 (Orange County)-see CalHFA Income Limits
• Max. purchase price $795,000
• Must be a first-time homebuyer
• To be used towards closing costs