Down Payment Assistance Programs

Programs that empower people to bridge the affordability gap of purchasing a home in Southern California. 


INCOME AT OR BELOW 80% AMI*

INCOME AT OR BELOW $174,200**

CalHFA - MyHome

Up to 3.5% of Sale Price

• Down Payment and/or closing cost assistance

• AMI based on Orange County (not HUD) Income Limits

• Additional 3-4% closing cost assistance w/ Calplus Zip

• Restrictions apply

WISH

UP TO $15,000

Forgiven over 5 years

• Down payment and/or closing cost assistance

• 3:1 Matching grant

• First mortgage with approved lender only


INCOME AT OR BELOW 80% AMI*

SEE LENDER FOR INCOME LIMITS

IDEA

Up to $15,000 Forgiven over 5 years

• Down payment and/or closing cost assistance

• 3:1 Matching grant

• Must first complete 10-month savings program

• Email info@nwoc.org for information on how to

become part of this program

Daisy†

Up to $11,961

Forgiven over 3 years

• Down payment and/or closing cost assistance

• No Payment Required - Grant

• Min Loan $3,000

• Max Loan $9,342 (1 Unit) or $11,961 (2 Units)

† Exclusively for GROW Program borrowers


SEE LENDER FOR INCOME LIMITS

Platinum‡

Up to 3.5% of 1ST mORTGAGE aMOUNT

• Down payment and/or closing cost assistance

• No Payment Required - Grant

• Does not need to be a first time homebuyer

• Restrictions apply

‡ Available with FHA and Conventional 1st Loans


To qualify for down payment programs, borrowers are required to attend our HUD-Approved Advanced Home Buyer Education Course and complete a pre-purchase coaching session with one of our Friendly Experts. All programs are based on household income eligibility and need. All funds are on a first-come, first-serve basis with a fully executed purchase contract.

Max Income Chart from Down Payment Assistance Flyer.JPG

* These programs are based on the 2018 HUD guidelines for Orange County.
** CalHFA publishes its own income limits.

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