Home loans

Down payment
assistance.

Programs that can help cover your down payment.

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The program

Help with the hardest part of buying a first home.

For many buyers, the down payment is the biggest hurdle. Down payment assistance programs can help cover it, and sometimes closing costs too, through grants, forgivable loans or deferred second loans.

California has several statewide programs, and many counties and cities run their own. Rules differ on income, price and first-time buyer status. Vadim finds the ones you may qualify for and pairs them with the right first mortgage.

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What to know

Four things to know about down payment assistance.

  1. 01

    Often for first-time buyers

    Many programs are for first-time buyers, which can include people who haven’t owned a home in recent years.

  2. 02

    Income and price limits

    Most programs cap household income and the price of the home.

  3. 03

    Homebuyer education

    Many ask you to complete a short homebuyer course before closing.

  4. 04

    Repayment varies

    Some help is a grant. Some is a loan, repaid when you sell or refinance.

Working with Vadim

One broker, from the first call to the keys.

  1. Talk it through

    A call about your plans, your numbers and your timeline.

  2. Apply once

    One application and one credit check, while Vadim looks at several lenders.

  3. Vadim shops the loan

    As a broker, he compares loans from multiple lenders and brings you the options.

  4. Close

    He stays with you through underwriting, the appraisal and closing.

Loan programs

Nine ways to buy or refinance a home.

Buying your first home, refinancing the one you have, or borrowing against it. Investing instead? See the investor loans.

For homebuyers

Buying or refinancing a home

Owner-occupied loans

Ask about home loans
09Programs
  1. ConventionalA standard mortgage that isn’t backed by the government.
  2. FHAInsured by the FHA, with flexible credit guidelines.
  3. VAFor eligible veterans, service members and surviving spouses.
  4. USDAFor eligible homes in rural and some suburban areas.
  5. JumboFor loan amounts above the conforming limit.
  6. RefinanceChange your rate or term, or take cash out.
  7. Second MortgageBorrow against your equity and keep your first mortgage.
  8. RenovationBuy or refinance and fund the renovation in one loan.
  9. Down Payment AssistancePrograms that can help cover your down payment.