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No Downpayment? No Problem!

We are proud to offer several down payment assistance programs in CA that can help cover your down payment and closings costs!  Here are couple programs we have available:

CalHFA Calplus w/ZIP can offer up to 7.5% towards your down payment and closing costs

Can be used with a conventional or FHA loan

640 minimum credit score

Must be a first time homebuyer (no ownership in the past 3 years)

2nd and 3rd liens will be on title and will be paid once the house is sold

Income limit in Sacramento county is $150,650

Typically a higher interest rate and fees

Debt to income ratio is capped at 45%

 

Conventional 1% down

2% free grant – loan requires 3% down and the lender will grant 2%

Income limits are vary depending on the location of the property

Do not have to be a first time homebuyer

620 minimum credit score but typically works better with credit scores 700+

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