Down Payment Assistance in California 2026

Programs Available in California

These are the options that actually work here. No fine print.

Program

FHA 100% Combo

100% financing: 96.5% FHA + a second lien for the 3.5%. No income limits.

See details → Check eligibility

Program

V1-FAST 100

0% second lien, deferred and forgivable. Zero monthly payment on the second.

See details → Check eligibility

Program

1% Down Grant

You put 1%, the program gifts 2% up to $7,000. Conventional.

See details → Check eligibility

Program

Community 1% Down

1% down + 2% gift up to $6,000 in eligible areas.

See details → Check eligibility

Program

CalHFA Combos

Pair CalHFA assistance with your first mortgage — silent seconds and more.

See details → Check eligibility

Cities in California

Find down payment help in your city.

Los Angeles San Diego San Jose Fresno Sacramento Bakersfield

Frequently Asked Questions

What California families ask us most.

What is CalHFA?

The California Housing Finance Agency. It offers silent second loans (MyHome) and shared-appreciation programs (Dream For All) for first-time buyers. See our CalHFA combos page for how we pair them with first mortgages.

Can I combine CalHFA with an FHA loan?

Yes. MyHome works as a silent second alongside your FHA first mortgage — one path to buying with very little out of pocket.

Is there down payment help in Los Angeles?

Yes. Beyond CalHFA, national 1% down grants and 100% combos work statewide, including Los Angeles, San Diego, and the Bay Area.

Do I Qualify for Down Payment Help?

Tell us where you want to buy and we will tell you which programs fit — free, no obligation.

Call us: (949) 253-3480