These programs may change or become unavailable at any time without notice. Additional restrictions & requirements apply.
City of Los Angeles (LIPA) – $161,000 LIPA Program Flyer
The Low Income Purchase Assistance Program helps first-time, low-income homebuyers purchase homes by providing loans to cover the down payment, acquisition, and closing costs.
HOMEBUYER ELIGIBILITY
✔ First-time homebuyers who have not had an ownership interest in any real property at any time during the last 3 years.
✔ U.S. Citizens, Lawful Permanent Residents, or other Qualified Aliens.
✔ Applicants must attend an 8-hour, homebuyer education course and receive housing counseling given by one of LAHD’s Approved Homebuyer Education Providers.
✔ Applicants must contribute a minimum of 1% of the home purchase price as down payment. The down payment must come from the Applicant’s own funds. Homebuyers may be required to contribute more than the 1% toward the down payment to complete the purchase.
✔ Homebuyers must have a minimum middle FICO credit score of at least 660.
✔ Homebuyers must occupy the home as their PrincipalResidence.
✔ Total household income of all of the adults, 18 years of age or older, must be within the maximum income limits.
LIPA LOAN TERMS
✔ Zero Percent (0%) Interest
✔ Deferred – requiring no monthly payments.
✔ Loans have a Shared Appreciation provision in which the City will share a certain percentage of the appreciation in the value of the property.
✔ Loan and Shared Appreciation is due on sale, title transfer, first mortgage repayment, or in 30 years balloon payment.
✔ Refinancing of first mortgage is allowed under certain conditions
PROPERTY ELIGIBILITY
✔ Home must be located in the City of Los Angeles.
✔ 1-unit, single family residences, including condominiums and townhomes.
✔ Properties cannot be tenant-occupied, unless the tenant is the prospective homebuyer.
✔ Regular sales, approved short sales/pays, and foreclosed and REO properties.
✔ Homebuyers are required to purchase their own consumer home property inspection report.
LOAN AMOUNT
✔ Up to $161,000 – for down payment, closing costs, and acquisition.
Maximum Purchase Price Limit:
✔ $930,622 for single-family residences and condominiums. (As of 10/8/2025)
City of Los Angeles (MIPA) – Limited Funds- $115,000 MIPA Program Flyer
The Moderate Income Purchase Assistance Program helps first-time, moderate-income homebuyers purchase homes by providing loans to cover the down payment, acquisition, and closing costs.
HOMEBUYER ELIGIBILITY
✔ First-time homebuyers who have not had an ownership interest in any real property at any time during the last 3 years.
✔ U.S. Citizens, Lawful Permanent Residents, or other Qualified Aliens.
✔ Applicants must attend an 8-hour, homebuyer education course and receive housing counseling given by one of LAHD’s Approved Homebuyer Education Providers.
✔ Applicants must contribute a minimum of 1% of the home purchase price as down payment. The down payment must come from the Applicant’s own funds. Homebuyers may be required to contribute more than the 1% toward the down payment to complete the purchase.
✔ Homebuyers must have a minimum middle FICO credit score of at least 660.
✔ Homebuyers must occupy the home as their PrincipalResidence.
✔ Total household income of all of the adults, 18 years of age or older, must be within the income limits shown on the table below:
MIPA LOAN TERMS
✔ Zero Percent (0%) Interest
✔ Deferred – requiring no monthly payments.
✔ Loans have a Shared Appreciation provision in which the City will share a certain percentage of the appreciation in the value of the property.
✔ Loan and Shared Appreciation is due on sale, title transfer, first mortgage repayment, or in 30 years balloon payment.
✔ Refinancing of first mortgage is allowed under certain conditions
PROPERTY ELIGIBILITY
✔ Home must be located in the City of Los Angeles.
✔ 1-unit, single family residences, including condominiums and townhomes.
✔ Properties cannot be tenant-occupied, unless the tenant is the prospective homebuyer.
✔ Regular sales, approved short sales/pays, and foreclosed and REO properties.
✔ Homebuyers are required to purchase their own consumer home property inspection report.
LOAN AMOUNT
✔ Mod 120 loan up to $115,000 – for down payment, closing costs, and acquisition.
Maximum Purchase Price Limit:
✔ $930,622 for single-family residences and condominiums. (As of 10/8/2025)
LA County HOP Program – $85,000 HOP80 HOP120
The program is administered by the Los Angeles County Community Development Commission (CDC) and the Public Finance Division of the County of Orange. SCHFA does not lend money directly to homebuyers. Homebuyers must work directly with a participating lender.
Program Details:
✔ First-Time Homebuyer Requirement: A first-time homebuyer is a person(s) who has not owned and occupied their own home in the last three years unless you are buying a home in an IRS Designated Targeted Area Census Tract. If you have owned a home and sold the home more than three years ago, you are considered a first time homebuyer.
✔ Eligible Areas in Los Angeles County: All unincorporated areas and incorporated cities in Los Angeles County, except the City of Los Angeles areas.
✔ Eligible Areas in Orange County: All unincorporated areas and incorporated cities in Orange County.
✔ Income and Purchase Price Limits- MAXIMUM LOAN AMOUNT – $700,000
MAP
✔ This program provides a $85,000 silent second (deferred payment) down payment assistance loan to low-income first time home buyers purchasing in participating cities and unincorporated areas of Orange County.
Calhome Programs – $100,000
✔ Receive up to $100,000 toward your down payment for a home located in the County of LA, OC, San Bernardino and Riverside.
✔ 3% simple interest with payments deferred for 30 years.
✔ Must earn no more than 80% of the Area Median Income.
Dream for All Program
✔ Dream for All provides a loan for 20% of the home purchase price. The homeowner pays back the original loan amount plus 20% of any appreciation in the value of the home. Can be used anywhere in California.
City of Yorba Linda
✔ Receive up to $50,000 towards your down payment for a home in the City of Yorba Linda.
City of Garden Grove City of Garden Grove Program Flyer
Program Details
✔ Loan of up to $110,000 for low-income households
✔ Loan of up to $50,000 for moderate-income households
✔ 30-year deferred loan
✔ 0% interest
✔ GAP Financing
✔ Minimum of 3% down payment
City of Norwalk CalHome Program City of Norwalk Program Flyer
✔ Maximum CalHome loan amount is 40% of purchase price of property or up to maximum of $200,000
✔ First-Time Homebuyers only
✔ Must be primary occupancy
✔ Must contribute 3% of purchase price of own funds
✔ Property must be in City of Norwalk limits/boundaries
✔ SFR, Condos, townhomes, or $100,000 for manufactured homes on permanent foundation
✔ Purchase Price limit is $725,000
✔ Must income qualify for County of Los Angeles 80% AMI
WISH IS CLOSED AND IS NO LONGER ACCEPTING APPLICATIONS.
WISH WISH Program Flyer – Los Angeles WISH Program Flyer – Orange County
Assistance for first time homebuyers: 4 to 1 matching grant. The WISH Program (Workforce Initiative Subsidy for Homeownership) promotes homeownership opportunities!
✔ 4 to 1 Matching Grant
✔ After 5 years 100% of grant is forgiven if buyer remains living in the property
✔ $32,099 maximum match per household
✔ Must be a first-time homebuyer
✔ Must be at 80% median income limits
✔ Subject to availability of funds
Greenline Home Program Greenline Home Program Flyer
✔ Up to $35,000 in grant funds for down payment or closing cost assistance towards the purchase of a home.
✔ For first-time homebuyers living in LA County.
✔ Residents with low to moderate income.
✔ Residents living in high to highest need income.
✔ Must occupy home for 3 years.
✔ Maximum Price Limit $750,000.
Santa Ana – My First Home Program Santa Ana – My First Home Program Flyer
FUNDS ARE LIMITED- First Come, First Serve.
✔ Program offers 0%, deferred payment loans of up to $120,000 for Low-Income Households and up to $80,000 to Moderate-income households.
✔ The Housing Division has a local preference for veterans and applicants who live and work in the City of Santa Ana.
✔ Must income qualify (see flyer for income chart).
✔ Minimum of 3% down-payment.
***Application is currently closed for Santa Ana My First Home Program***
Pulling Credit – Credit Bureaus
2025 County Downpayment Income Limit