The down payment need not be the wall.
California offers a deep bench of grants, forgivable seconds and profession-specific programs. We help you stack the ones you qualify for, often turning a years-away purchase into a this-year move.
CalHFA
California Housing Finance Agency programs combine a first mortgage with a deferred-payment or forgivable second to cover down payment and closing costs for first-time buyers who meet income and property requirements.
GSFA Platinum
A statewide grant program offering up to 5.5% in down payment and closing-cost assistance with no first-time-buyer requirement and flexible credit guidelines.
First Responders
Specialized assistance and pricing for police, firefighters and EMTs, including national Hero programs and CalHFA layering options.
Medical Professionals
Physician, nurse and healthcare-worker loan programs with reduced down payment, no PMI options, and flexible treatment of student-loan debt.
Teachers & Educators
Extra Credit Teacher Home Purchase Program (ECTP) and other education-specific layers that pair with CalHFA for additional down payment support.
Local City & County Programs
Many California counties offer their own forgivable second loans. We map every layer available in your target area.