Buying a home in California can feel out of reach—but there are programs designed to help make it possible.

Down payment assistance programs and homebuyer grants offer financial support that can help reduce the upfront costs of purchasing a home.

These programs are often available to first-time buyers, moderate-income households, and buyers purchasing in specific areas.

What These Programs Can Help With

Depending on eligibility, assistance may be used for:

• Down payment costs

• Closing costs

• Reduced interest rates or deferred payments

• Forgivable or low-interest loans paired with your mortgage

Many programs require little to no repayment upfront and are designed to make homeownership more accessible.

California offers a range of state, county, and city-level assistance programs, including:

• First-time homebuyer assistance programs

• Local city or county grants

• Employer-assisted housing programs

• Special programs for teachers, healthcare workers, and public servants

Program availability, income limits, and requirements vary by location and buyer profile.

How Alicia Helps

Navigating these programs can be overwhelming — that’s where expert guidance matters.

Alicia helps buyers:

• Review available down payment assistance options

• Understand eligibility requirements

• Connect with lenders experienced in these programs

• Identify homes that qualify for assistance

• Move through the process with clarity and confidence

Every buyer’s situation is different, and not all programs are a fit for every purchase. Alicia will review your details and help determine which options may work for you.