Identify a program
State, local, or lender option
Is There Help With My Down Payment?
There may be state, local, or lender programs for eligible buyers. Assistance can come with income limits, education requirements, repayment terms, and restrictions on the home or mortgage.
Check the program before counting the funds
Ask a participating lender to confirm current availability and how the assistance works with your main loan. CalHFA’s MyHome is one California option to discuss, with eligibility and lender requirements.
Understand the repayment
Assistance is not always a grant. A deferred payment loan may be due later under the program’s terms. Review what happens when you sell, refinance, or stop occupying the home.
Confirm eligibility
Income, ownership history, and property
Review the terms
Amount, repayment, and education
Coordinate approval
Main mortgage and assistance together
Talk to Dominique About Your Down Payment
Share your plans, priorities, and timing with Dominique.