How Do I Qualify for Down Payment Assistance in Santa Clarita, CA?

 

Struggling with a down payment? You may qualify for local assistance programs designed to help buyers in Santa Clarita get into a home sooner.

Down payment assistance (DPA) programs provide grants, forgivable loans, or deferred payments to reduce the upfront cash needed to buy a home.

Here’s what you need to know.

What Is Down Payment Assistance?

DPA helps qualified buyers cover:

  • Down payment (typically 3%–20% of purchase price)

  • Sometimes closing costs

Programs may be offered by:

  • State agencies (e.g., CalHFA)

  • LA County housing programs

  • Local nonprofits or city initiatives

Key Programs Available in Santa Clarita

1. CalHFA (California Housing Finance Agency)

  • Offers deferred-payment junior loans

  • MyHome Assistance and ZIP programs available

  • Must use a CalHFA-approved lender

2. LA County Homeownership Program

  • Offers second mortgages to eligible buyers

  • Income and purchase price limits apply

3. City-Specific or Employer Programs

  • Some school districts or hospitals offer additional support

Who Qualifies?

Requirements vary but typically include:

  • First-time buyer status (no ownership in last 3 years)

  • Minimum credit score (usually 640+)

  • Income limits (based on household size and county)

  • Completion of a homebuyer education course

How to Apply

  1. Get pre-approved with a participating lender

  2. Verify eligibility for available DPA options

  3. Complete a homebuyer education course

  4. Submit documentation with your loan application

I can help connect you with trusted local lenders familiar with these programs.

Interested in buying a home with down payment assistance in Santa Clarita? Let’s talk about your options—and follow me on social for tips tailored to first-time buyers.

Ready to make your next move in Santa Clarita?


Contact Tami Cicerello with The Cicerello Team at RE/MAX Of Santa Clarita — your local real estate expert with 36+ years of experience helping sellers and buyers reach their goals.
📞 661–212–3413| ✉️ TamiCicerello@gmail.com
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Written by Tami Cicerello, REALTOR® and local real estate expert serving Santa Clarita, Valencia, Saugus, Newhall, Stevenson Ranch, Canyon Country and Castaic.