Bells HardingstoneCalifornia offers a wide range of first time home buyer programs in California designed to help individuals and families achieve the dream of homeownership. These programs provide financial assistance, educational resources, and guidance for navigating the homebuying process. With high housing costs in many areas, these programs are essential for first-time buyers looking to reduce upfront expenses such as down payments and closing costs. They also provide opportunities to learn about budgeting, mortgages, and maintaining long-term financial stability.
Top 50 First Time Home Buyer Programs in California
1. CalHFA MyHome Assistance Program
The California Housing Finance Agency’s MyHome Assistance Program offers first-time homebuyers up to 3.5% in down payment and closing cost assistance. This program is available statewide and helps make homeownership more attainable for low- and moderate-income families. Completion of a homebuyer education course and meeting income limits are required. It is considered a top first time home buyer program in California due to its accessible application process, flexible terms, and reliable financial support for new homeowners.
2. GSFA Platinum Program
The Golden State Finance Authority’s Platinum Program provides up to 5.5% in down payment and closing cost assistance. First-time homebuyers across California can benefit from this program, especially those with credit scores as low as 640. Its flexibility in eligibility and assistance amount makes it one of the leading first time home buyer programs in California. The program is ideal for families seeking significant financial support to purchase their first home while reducing their initial financial burden.
3. San Diego Housing Commission First-Time Homebuyer Program
San Diego’s Housing Commission program provides deferred-payment loans and homeownership grants to low- and moderate-income first-time homebuyers. Applicants in San Diego can receive financial support to help cover down payments and closing costs. It is considered a top first time home buyer program in California because it directly addresses affordability in a high-cost housing market. The program also offers personalized guidance, helping first-time buyers navigate the complex homebuying process with confidence and security.
4. Los Angeles Housing Department Programs
The LAHD offers programs such as Low Income Purchase Assistance, Moderate Income Purchase Assistance, and Mortgage Credit Certificate programs. These programs provide loans for down payment, closing costs, and tax credits for first-time homebuyers in Los Angeles. They are top first time home buyer programs in California because of their comprehensive support, including financial aid, tax benefits, and long-term assistance, ensuring city residents have multiple pathways to affordable homeownership.
5. Santa Clara County Empower Homebuyers Program
The Empower Homebuyers program offers up to 17% of a home’s purchase price in down payment assistance for first-time buyers in Santa Clara County. This program is particularly beneficial in high-cost areas, helping buyers overcome affordability challenges. It is recognized as a top first time home buyer program in California because of the substantial financial assistance it provides, which significantly reduces the upfront cost of purchasing a home for new buyers in the county.
6. Sonoma County First-Time Homebuyer Program
Sonoma County provides up to $50,000 in down payment assistance for first-time homebuyers. Eligibility is designed to prioritize local residents and those employed within the county. This program is considered a top first time home buyer program in California because it directly supports the community by helping individuals achieve homeownership. Its financial assistance makes it easier for first-time buyers to secure housing in a competitive and expensive market.
7. Riverside County First-Time Homebuyer Programs
Riverside County offers programs that provide up to 20% of the purchase price in down payment assistance for first-time homebuyers. These programs are targeted toward low- and moderate-income families looking to purchase a home in the county. They are regarded as top first time home buyer programs in California due to their high level of financial support, enabling buyers to afford homes in areas with rising housing costs.
8. San Mateo County HEART Program
The Housing Endowment and Regional Trust (HEART) in San Mateo County offers a first-time homebuyer program with a 5% down payment loan. Applicants who live or work in the county can access this program to help cover upfront costs. It is recognized as a top first time home buyer program in California because it provides practical financial support, helping buyers enter the housing market with lower initial costs and manageable repayment terms.
9. Santa Barbara Workforce Homebuyer Program
Santa Barbara’s Workforce Homebuyer Program provides up to $100,000 in down payment assistance to first-time homebuyers employed within the county. The program helps local workers overcome the high cost of housing. It is considered a top first time home buyer program in California due to its generous financial support, targeted approach for local employees, and focus on making homeownership attainable in expensive housing markets.
10. Alameda County Homeownership Programs
Alameda County offers programs that reduce up to 15% in mortgage interest paid into federal taxes for first-time homebuyers. This program helps families save money over the life of the loan while purchasing their first home. It is regarded as a top first time home buyer program in California because of its tax benefits, financial support, and accessibility for first-time buyers, making homeownership more affordable in the county.
11. Sacramento County First-Time Homebuyer Assistance Program
Sacramento County offers grants and low-interest loans for down payment and closing costs to first-time homebuyers. These funds are designed to help low- and moderate-income residents purchase their first home. It is recognized as a top first time home buyer program in California because it provides a combination of financial support and education, ensuring buyers have both the resources and knowledge to successfully purchase their first property.
12. Contra Costa County Homeownership Program
Contra Costa County provides first-time homebuyers with financial assistance for down payment and closing costs. Programs are tailored to income-eligible households to support local homeownership. This program is considered a top first time home buyer program in California because it addresses affordability challenges, particularly in high-cost areas, giving buyers a pathway to secure their first home with manageable financial commitments.
13. Orange County Homebuyer Assistance Program
Orange County offers programs that provide grants and deferred loans to help first-time buyers with down payment and closing costs. The programs prioritize low- and moderate-income residents. They are recognized as top first time home buyer programs in California due to their focus on reducing financial barriers, making it possible for more families to achieve homeownership in one of the state’s most expensive regions.
14. Fresno County First-Time Homebuyer Program
Fresno County provides assistance programs to first-time buyers in the form of down payment and closing cost grants or loans. These programs help make homeownership more affordable for families with limited savings. They are considered top first time home buyer programs in California because they combine financial support with education, ensuring new buyers are equipped to maintain homeownership successfully.
15. San Francisco Mayor’s Office of Housing Programs
San Francisco offers first-time homebuyer programs with down payment assistance and mortgage support for city residents. These programs target moderate-income families to help them buy homes in a highly competitive market. They are recognized as top first time home buyer programs in California due to their strong financial backing, local focus, and ability to help residents enter a challenging housing market.
16. Marin County Homeownership Program
Marin County offers programs to assist first-time buyers with down payments and closing costs. The program emphasizes support for local residents and employees. It is considered a top first time home buyer program in California because of its substantial financial assistance, focus on local buyers, and capacity to make homeownership more attainable in an expensive region.
17. Ventura County First-Time Homebuyer Program
Ventura County offers down payment assistance and grants to income-eligible first-time homebuyers. The program focuses on making homeownership attainable for local families. It is regarded as a top first time home buyer program in California due to its financial support, accessibility, and ability to help buyers overcome the high costs associated with purchasing a home in the county.
18. San Joaquin County Homebuyer Assistance Program
San Joaquin County provides first-time buyers with grants and deferred loans to cover down payment and closing costs. These programs target moderate-income households to make purchasing a home more achievable. They are considered top first time home buyer programs in California because they provide critical financial support, allowing families to overcome affordability challenges in a growing housing market.
19. Placer County First-Time Homebuyer Program
Placer County offers assistance to first-time homebuyers through down payment and closing cost grants. Programs focus on helping residents who meet income and employment criteria. They are recognized as top first time home buyer programs in California because they make it easier for families to access housing in areas with rising property prices, ensuring financial barriers do not prevent homeownership.
20. Kern County Homebuyer Assistance Program
Kern County offers first-time homebuyers financial aid for down payment and closing costs. Programs target low- to moderate-income buyers in the county. They are regarded as top first time home buyer programs in California due to their focus on affordability, practical financial assistance, and support that enables first-time buyers to achieve homeownership in regions with growing housing demand.
21. Napa County First-Time Homebuyer Program
Napa County provides financial assistance for down payment and closing costs to first-time homebuyers. Programs are designed for low- to moderate-income families and prioritize local residents. They are considered top first time home buyer programs in California because they help buyers overcome high housing costs while supporting community stability. Participants also receive guidance on the homebuying process to ensure long-term success and affordability.
22. Monterey County Homebuyer Assistance Program
Monterey County offers first-time buyers grants and low-interest loans to help with down payment and closing costs. The program targets moderate-income households and local employees. It is a top first time home buyer program in California because it reduces financial barriers and provides education to help buyers maintain homeownership in an area with rising housing costs.
23. San Luis Obispo County Homebuyer Program
San Luis Obispo County provides down payment assistance for first-time homebuyers meeting income eligibility. The program supports residents purchasing homes locally and encourages sustainable homeownership. It is recognized as a top first time home buyer program in California due to its ability to make homeownership attainable in a high-cost housing market while offering financial and educational support.
24. Solano County First-Time Homebuyer Program
Solano County offers financial assistance for down payments and closing costs for first-time buyers. Programs focus on income-qualified residents to ensure affordability. They are considered top first time home buyer programs in California because they directly address the affordability gap and provide resources to help buyers navigate homeownership successfully.
25. Tulare County Homebuyer Assistance Program
Tulare County provides grants and deferred loans for down payment and closing costs to first-time homebuyers. This program prioritizes low- to moderate-income families. It is regarded as a top first time home buyer program in California because it combines financial assistance with homebuyer education, helping participants enter the housing market confidently.
26. San Bernardino County Homebuyer Program
San Bernardino County offers first-time homebuyers assistance for down payment and closing costs. Programs are targeted toward income-eligible households to make homeownership achievable. They are considered top first time home buyer programs in California due to their ability to reduce upfront costs and provide financial support in a competitive housing market.
27. Imperial County First-Time Homebuyer Program
Imperial County provides down payment and closing cost assistance to first-time buyers. Programs focus on low- and moderate-income residents seeking local homeownership. They are recognized as top first time home buyer programs in California because they provide practical financial support, making it possible for families to purchase their first home in an affordable and structured way.
28. Shasta County Homebuyer Assistance Program
Shasta County offers grants and low-interest loans for down payment and closing costs to first-time buyers. The program targets local residents and income-qualified families. It is considered a top first time home buyer program in California because it combines financial assistance with guidance, enabling buyers to successfully navigate the purchase and sustain homeownership.
29. Riverside County Homeownership Opportunity Program
Riverside County provides deferred payment loans for first-time buyers to assist with down payment and closing costs. Programs focus on moderate-income households. It is a top first time home buyer program in California because it offers significant financial assistance to help buyers purchase homes in a growing market while ensuring affordability and long-term stability.
30. Ventura County Workforce Assistance Program
Ventura County provides first-time buyers with grants and low-interest loans to help cover the cost of down payments and closing costs. Programs support local workers and income-qualified families. It is recognized as a top first time home buyer program in California because it helps overcome high housing costs and promotes community ownership.
31. San Mateo County Shared Appreciation Program
San Mateo County offers a first-time homebuyer program that provides down payment assistance in exchange for shared appreciation when selling the home. This allows buyers to purchase homes with lower upfront costs. It is a top first time home buyer program in California because it balances affordability and long-term financial sustainability.
32. Santa Cruz County Homebuyer Program
Santa Cruz County provides first-time buyers with down payment and closing cost assistance. Programs target low- to moderate-income residents and local employees. They are considered top first time home buyer programs in California because they reduce barriers to homeownership and help buyers establish financial stability in a competitive market.
33. Los Angeles County Homeownership Program
Los Angeles County offers down payment assistance and low-interest loans for first-time homebuyers. Programs support moderate-income families purchasing homes in high-cost areas. They are regarded as top first time home buyer programs in California because they provide meaningful financial support and educational resources to help buyers succeed.
34. San Diego County Homeownership Assistance
San Diego County provides first-time homebuyers grants and deferred loans to cover down payment and closing costs. Programs target income-qualified households and local residents. This program is recognized as a top first time home buyer program in California due to its strong financial support and guidance to help new homeowners succeed in an expensive housing market.
35. Riverside County Mortgage Assistance Program
Riverside County offers financial assistance to first-time homebuyers for down payments and closing costs. Programs prioritize low- and moderate-income families. They are considered top first time home buyer programs in California because they reduce initial costs and offer structured support for sustainable homeownership in growing communities.
36. Kern County Homebuyer Support Program
Kern County provides first-time buyers with grants and deferred loans to help cover down payment and closing costs. Programs focus on income-qualified residents. It is a top first time home buyer program in California because it combines financial aid and homebuyer education, helping participants maintain long-term homeownership success.
37. Fresno County Homebuyer Assistance Program
Fresno County offers low-interest loans and grants to first-time buyers for down payment and closing costs. Programs are designed for low- to moderate-income residents. This program is considered a top first time home buyer program in California because it reduces financial barriers, enabling families to enter the housing market with confidence.
38. Sonoma County Workforce Housing Program
Sonoma County provides down payment and closing cost assistance for first-time homebuyers employed locally. Programs aim to increase homeownership for workforce families. It is recognized as a top first time home buyer program in California because it addresses affordability issues while supporting economic stability in the county.
39. Alameda County First-Time Homebuyer Assistance
Alameda County offers grants and low-interest loans for first-time buyers to help with down payment and closing costs. Programs target income-qualified residents seeking to purchase homes locally. This is a top first time home buyer program in California due to its combination of financial support and guidance for first-time buyers.
40. Sacramento County Homeownership Opportunity Program
Sacramento County provides down payment and closing cost assistance to first-time buyers. Programs are aimed at low- and moderate-income households. They are regarded as top first time home buyer programs in California because they help reduce financial barriers and support sustainable homeownership in a high-demand housing market.
41. Santa Clara County Homebuyer Support Program
Santa Clara County offers financial assistance to first-time buyers through grants and deferred loans for down payment and closing costs. Programs focus on moderate-income families. It is a top first time home buyer program in California because it helps overcome affordability challenges in expensive areas and provides long-term guidance for buyers.
42. Contra Costa County Homebuyer Assistance Program
Contra Costa County provides first-time buyers with grants and low-interest loans to cover down payment and closing costs. Programs are designed for income-qualified residents. This program is considered a top first time home buyer program in California because it reduces barriers to homeownership while promoting financial literacy and stability.
43. Marin County First-Time Buyer Program
Marin County offers assistance to first-time homebuyers through down payment and closing cost support. Programs are targeted at residents and local employees. It is recognized as a top first time home buyer program in California because it makes homeownership more attainable in a high-cost area and provides critical financial guidance.
44. Santa Barbara County Homebuyer Program
Santa Barbara County provides first-time buyers with grants and deferred loans for down payment and closing costs. Programs prioritize moderate-income households and local workers. This is a top first time home buyer program in California because it balances financial support and community-focused eligibility to ensure affordability.
45. Orange County First-Time Buyer Assistance
Orange County offers grants and low-interest loans to first-time homebuyers for down payment and closing costs. Programs support local and income-qualified families. They are considered top first time home buyer programs in California because they reduce financial barriers and provide guidance for sustainable homeownership in high-cost areas.
46. Los Angeles County Workforce Homebuyer Program
Los Angeles County provides down payment and closing cost assistance for first-time buyers employed in the region. Programs target moderate-income families. It is recognized as a top first time home buyer program in California because it helps overcome high housing costs while supporting local workforce stability.
47. San Diego County Workforce Assistance Program
San Diego County offers first-time buyers grants and low-interest loans to cover down payment and closing costs. Programs are focused on income-qualified residents. It is a top first time home buyer program in California because it provides substantial financial support and resources to enter a competitive housing market.
48. San Mateo County Homebuyer Support Program
San Mateo County provides financial assistance through grants and deferred loans for first-time buyers. Programs focus on moderate-income residents. They are regarded as top first time home buyer programs in California because they reduce barriers to entry, making homeownership attainable in a high-cost market while providing financial guidance.
49. Riverside County First-Time Buyer Assistance
Riverside County offers grants and low-interest loans for first-time homebuyers to cover down payment and closing costs. Programs prioritize income-qualified residents. This is considered a top first time home buyer program in California because it reduces upfront costs and ensures buyers have resources for successful long-term homeownership.
50. Ventura County First-Time Homebuyer Program
Ventura County provides first-time buyers with grants and deferred loans for down payment and closing costs. Programs focus on income-qualified residents and local workers. It is recognized as a top first time home buyer program in California because it addresses affordability, supports workforce housing, and provides financial guidance to help buyers sustain homeownership.
Reasons Why You Should Know These First Time Home Buyer Programs in California
- Access to financial assistance
These programs provide grants, low-interest loans, and deferred payment options to help first-time buyers cover down payments and closing costs. This reduces the financial burden and makes purchasing a home more attainable.
- Educational resources for buyers
Most programs include homebuyer education courses, workshops, and counseling. These resources help participants understand mortgages, budgeting, credit requirements, and maintaining a home over time.
- Assistance in high-cost areas
Many programs target regions with expensive housing markets, providing critical financial support for buyers who may not otherwise afford to purchase a home in cities like San Francisco, Los Angeles, or Santa Clara County.
- Support for moderate- and low-income families
These programs prioritize families with limited income, ensuring that those who need help the most can access resources and assistance to achieve homeownership.
- Localized program options
Programs are available across multiple counties, allowing buyers to select assistance tailored to their city or region, which often includes workforce-based eligibility and community-focused support.
- Long-term financial guidance
Beyond initial financial aid, these programs often provide ongoing guidance to ensure buyers can maintain homeownership, manage mortgage payments, and avoid foreclosure.
- Increased homeownership opportunities
By reducing barriers such as down payments and providing educational support, these programs open doors for more people to achieve their dream of owning a home in California.
Conclusion
First time home buyer programs in California offer invaluable support for new homeowners. They combine financial assistance, education, and local guidance to help individuals and families navigate the challenges of purchasing their first home. By taking advantage of these programs, first-time buyers can reduce upfront costs, gain confidence in managing homeownership, and secure a stable living situation. Visiting these programs ensures that buyers are equipped with the tools and resources necessary for successful long-term homeownership.