fbpx

First Home Mortgage Program

California

Available Assistance

Under the First Home Mortgage Program, applicants can receive up to 4 percent of the total first mortgage amount to be put toward paying the down payment and closing cost assistance. This assistance comes in the form of a grant, which has no repayment terms. The program is overseen by the Los Angeles County Community Development Commission (CDC) and the Public Finance Division of the County of Orange. It can be used in conjunction with the CDC's Home Ownership Program (HOP) and the Mortgage Credit Certificate Program (MCC), with the most restrictive program guidelines applied. Homebuyers do not receive assistance funds from the SCHFA; they must work directly with a participating lender.

Eligibility Requirements

All applicants must meet certain requirements to be eligible for assistance under the First Home Mortgage Program. They must fall under the program’s income limits (shown below), have a minimum FICO credit score of 640, and a debt-to-income ratio not exceeding 45 percent. It is required that all applicants attend a homebuyer education course, with certificates of completion dated 12 months prior to the closing of escrow.

Property Guidelines

Household income is defined as all income received by household members (18 years or older) who will be living in the home, even if they are not on the mortgage. Los Angeles County 1 or 2 person household: $108,120, 3 or more person household: $126,140 Orange County1 or 2 person household: $125,160, 3 or more person household: $146,020,

900019000290003900049000590006900079000890009900109001190012900139001490015900169001790018900199002090021900229002390024900259002690027900289002990030900319003290033900349003590036900379003890039900409004190042900439004490045900469004790048900499005090051900529005390054900559005690057900589005990060900619006290063900649006590066900679006890069900709007190072900739007490075900769007790078900799008090081900829008390084900869008790088900899009090091900939009490095900969009990134901899020190202902099021090211902129021390220902219022290223902249023090231902329023390239902409024190242902459024790248902499025090251902549025590260902619026290263902649026590266902679027090272902749027590277902789028090290902919029290293902949029590296903019030290303903049030590306903079030890309903109031190312904019040290403904049040590406904079040890409904109041190501905029050390504905059050690507905089050990510906019060290603906049060590606906079060890609906109062090621906229062390624906309063190632906339063790638906399064090650906519065290660906619066290670906719068090701907029070390704907069070790710907119071290713907149071590716907179072090721907239073190732907339073490740907429074390744907459074690747907489074990755908019080290803908049080590806908079080890809908109081390814908159082290831908329083390834908359084090842908449084690847908489085390895908999100191003910069100791008910099101091011910129101691017910209102191023910249102591030910319104091041910429104391046910669107791101911029110391104911059110691107911089110991110911149111591116911179111891121911239112491125911269112991182911849118591188911899119991201912029120391204912059120691207912089120991210912149122191222912249122591226913019130291303913049130591306913079130891309913109131191313913169131991320913219132291324913259132691327913289132991330913319133391334913359133791340913419134291343913449134591346913509135191352913539135491355913569135791358913599136091361913629136491365913679137191372913769137791380913819138291383913849138591386913879139091392913939139491395913969140191402914039140491405914069140791408914099141091411914129141391416914239142691436914709148291495914969149991501915029150391504915059150691507915089151091521915229152391526916019160291603916049160591606916079160891609916109161191612916149161591616916179161891701917029170691708917099171091711917149171591716917229172391724917299173091731917329173391734917359173791739917409174191743917449174591746917479174891749917509175291754917559175691758917599176191762917639176491765917669176791768917699177091771917729177391775917769177891780917849178591786917889178991790917919179291793918019180291803918049189691899919019190291903919059190691908919099191091911919129191391914919159191691917919219193191932919339193491935919419194291943919449194591946919489195091951919629196391976919779197891979919809198792003920049200792008920099201092011920139201492018920199202092021920229202392024920259202692027920289202992030920339203692037920389203992040920469204992051920529205492055920569205792058920599206092061920649206592066920679206892069920709207192072920749207592078920799208192082920839208492085920869208892091920929209392096921019210292103921049210592106921079210892109921109211192112921139211492115921169211792118921199212092121921229212392124921269212792128921299213092131921329213492135921369213792138921399214092142921439214592147921499215092152921539215492155921589215992160921619216392165921669216792168921699217092171921729217392174921759217692177921789217992182921869218792191921929219392195921969219792198921999220192202922039221092211922209222292223922259222692227922309223192232922339223492235922369223992240922419224292243922449224792248922499225092251922529225392254922559225692257922589225992260922619226292263922649226692267922689227092273922749227592276922779227892280922819228292283922849228592286923019230492305923079230892309923109231192312923139231492315923169231792318923209232192322923239232492325923279232892329923319233292333923349233592336923379233892339923409234192342923449234592346923479235092352923549235692357923589235992363923649236592366923689236992371923729237392374923759237692377923789238292384923859238692389923919239292393923949239592397923989239992401924029240392404924059240692407924089241092411924139241592418924239242792501925029250392504925059250692507925089250992513925149251692517925189251992521925229253092531925329253692539925439254492545925469254892549925519255292553925549255592556925579256192562925639256492567925709257192572925819258292583925849258592586925879258992590925919259292593925959259692599926029260392604926059260692607926099261092612926149261592616926179261892619926209262392624926259262692627926289262992630926379264692647926489264992650926519265292653926549265592656926579265892659926609266192662926639267292673926749267592676926779267892679926839268492685926889269092691926929269392694926979269892701927029270392704927059270692707927089271192712927289273592780927819278292799928019280292803928049280592806928079280892809928119281292814928159281692817928219282292823928259283192832928339283492835928369283792838928409284192842928439284492845928469285092856928579285992860928619286292863928649286592866928679286892869928709287192877928789287992880928819288292883928859288692887928999300193002930039300493005930069300793009930109301193012930139301493015930169302093021930229302393024930309303193032930339303493035930369304093041930429304393044930609306193062930639306493065930669306793094930999310193102931039310593106931079310893109931109311193116931179311893120931219313093140931509316093190931999320193202932039320493205932069320793208932109321293215932169321893219932209322193222932239322493225932269322793230932329323493235932379323893239932409324193242932439324493245932469324793249932509325193252932549325593256932579325893260932619326293263932659326693267932689327093271932729327493275932769327793278932799328093282932839328593286932879329093291932929330193302933039330493305933069330793308933099331193312933139331493380933839338493385933869338793388933899339093401934029340393405934069340793408934099341093412934209342193422934239342493426934279342893429934309343293433934349343593436934379343893440934419344293443934449344593446934479344893449934509345193452934539345493455934569345793458934609346193463934649346593475934839350193502935049350593510935129351393514935159351693517935189351993522935239352493526935279352893529935309353193532935349353593536935399354193542935439354493545935469354993550935519355293553935549355593556935589356093561935629356393581935849358693590935919359293596935999360193602936039360493605936069360793608936099361093611936129361393614936159361693618936199362093621936229362393624936259362693627936289363093631936339363493635936369363793638936399364093641936429364393644936459364693647936489364993650936519365293653936549365693657936609366193662936649366593666936679366893669936709367393675937019370293703937049370593706937079370893709937109371193712937149371593716937179371893720937219372293723937249372593726937279372893729937309373793740937419374493745937479375093755937609376193764937659377193772937739377493775937769377793778937799378693790937919379293793937949384493888939019390293905939069390793908939129391593920939219392293923939249392593926939279392893930939329393393940939429394393944939509395393954939559396093962940029400594010940119401494015940169401794018940199402094021940229402394024940259402694027940289403094035940379403894039940409404194042940439404494060940619406294063940649406594066940709407494080940839408594086940879408894089941029410394104941059410794108941099411094111941129411494115941169411794118941199412094121941229412394124941259412694127941289412994130941319413294133941349413794139941409414194142941439414494145941469414794151941589415994160941619416394164941729417794188942039420494205942069420794208942099421194229942309423294234942359423694237942399424094244942459424794248942499425094252942549425694257942589425994261942629426394267942689426994271942739427494277942789427994280942829428394284942859428794288942899429094291942939429494295942969429794298942999430194302943039430494305943069430994401944029440394404944979450194502945039450594506945079450894509945109451194512945139451494515945169451794518945199452094521945229452394524945259452694527945289452994530945319453394534945359453694537945389453994540945419454294543945449454594546945479454894549945509455194552945539455594556945579455894559945609456194562945639456494565945669456794568945699457094571945729457394574945759457694577945789457994580945819458294583945859458694587945889458994590945919459294595945969459794598945999460194602946039460494605946069460794608946099461094611946129461394614946159461794618946199462094621946229462394624946499465994660946619466294666947019470294703947049470594706947079470894709947109471294720948019480294803948049480594806948079480894820948509490194903949049491294913949149491594920949229492394924949259492694927949289492994930949319493394937949389493994940949419494294945949469494794948949499495094951949529495394954949559495694957949609496394964949659496694970949719497294973949749497594976949779497894979949989499995001950029500395004950059500695007950089500995010950119501295013950149501595017950189501995020950219502395024950269503095031950329503395035950369503795038950399504195042950439504495045950469505095051950529505395054950559505695060950619506295063950649506595066950679507095071950739507595076950779510195103951069510895109951109511195112951139511595116951179511895119951209512195122951239512495125951269512795128951299513095131951329513395134951359513695138951399514095141951489515095151951529515395154951559515695157951589515995160951619516495170951729517395190951919519295193951949519695201952029520395204952059520695207952089520995210952119521295213952149521595219952209522195222952239522495225952269522795228952299523095231952329523395234952369523795240952419524295245952469524795248952499525195252952539525495255952579525895267952699529695297953019530395304953059530695307953099531095311953129531395315953169531795318953199532095321953229532395324953259532695327953289532995330953339533495335953369533795338953409534195343953449534595346953479534895350953519535295353953549535595356953579535895360953619536395364953659536695367953689536995370953729537395374953759537695377953789537995380953819538295383953859538695387953889538995391953979540195402954039540495405954069540795409954109541295415954169541795418954199542095421954229542395424954259542695427954289542995430954319543295433954359543695437954399544195442954439544495445954469544895449954509545195452954539545495456954579545895459954609546195462954639546495465954669546795468954699547095471954729547395476954809548195482954859548695487954889549095492954939549495497955019550295503955119551495518955199552195524955259552695527955289553195532955349553695537955389554095542955439554595546955479554895549955509555195552955539555495555955569555895559955609556295563955649556595567955689556995570955719557395585955879558995595956019560295603956049560595606956079560895609956109561195612956139561495615956169561795618956199562095621956239562495625956269562795628956299563095631956329563395634956359563695637956389563995640956419564295644956459564695648956509565195652956539565495655956569565895659956609566195662956639566495665956669566795668956699567095671956729567395674956759567695677956789567995680956819568295683956849568595686956879568895689956909569195692956939569495695956969569795698956999570195703957099571295713957149571595717957209572195722957249572695728957359573695741957429574695747957579575895759957629576395765957769579895799958119581295813958149581595816958179581895819958209582195822958239582495825958269582795828958299583095831958329583395834958359583695837958389584095841958429584395851958529585395860958649586595866958679589495899959019590395910959129591395914959159591695917959189591995920959229592395924959259592695927959289592995930959329593495935959369593795938959399594095941959429594395944959459594695947959489594995950959519595395954959559595695957959589595995960959619596295963959659596695967959689596995970959719597295973959749597595976959779597895979959809598195982959839598495986959879598895991959929599396001960029600396006960079600896009960109601196013960149601596016960179601996020960219602296023960249602596027960289602996031960329603396034960359603796038960399604096041960449604696047960489604996050960519605296054960559605696057960589605996061960629606396064960659606796068960699607096071960739607496075960769607896079960809608496085960869608796088960899609096091960929609396094960959609696097960999610196103961049610596106961079610896109961109611196112961139611496115961169611796118961199612096121961229612396124961259612696127961289612996130961329613396134961359613696137961409614196142961439614596146961489615096151961529615496155961569615796158961609616196162

0%
You Are Almost There! Thanks For The Support 😄

Get Pre-Approved Today With A Lender That will WORK FOR YOU!

0%
You Are Almost There! Thanks For The Support 😄

Get Your FREE Credit Score!

Confirm your credit scores to get your grant results, absolutely free and no effect on your credit.

0%
You Are Almost There! Thanks For The Support 😄

Get financial support for you and your family!

Be sure to take advantage of exclusive resources and benefits for you and your family below!

0%
You Are Almost There! Thanks For The Support 😄

See your state housing grant programs!

There is plenty of money available to help pay for rent, bills, and utilities.

0%
You Are Almost There! Thanks For The Support 😄

Find Business and Education Grants!

There are plenty of govt grants to pay for a new business or education.

0%
You Are Done! Thanks For The Support 😄

Here are your Results!

Learn more about your state’s grant programs or go back to take advantage of today’s offers and benefits! Also be sure to check your email daily for our exclusive money hacks and newsletter updates.