Lender & broker · Fetti Financial Services LLC · NMLS #2267023

Down Payment Assistance in California

The down payment is the #1 thing that stops people from buying — and it's often the easiest to solve. Fetti Financial Services helps buyers in California tap down payment assistance programs — from your state housing agency (like CalHFA, Florida Housing, or MSHDA), your county, and national programs — that can cover most or all of your down payment and closing costs, paired with an FHA or conventional loan. Needing help with the down payment isn't a weakness here; it's exactly what these programs are for.

See what you qualify for in California

2 minutes · no credit impact · a specialist follows up fast.

Why borrowers in California choose Fetti for down payment assistance

Cover most or all of your down payment + closing costs

Grants, forgivable seconds, or deferred assistance

Pairs with low-down-payment FHA and conventional loans

We help you find the programs you actually qualify for

NMLS #2267023Licensed Mortgage LenderEqual Housing OpportunityCA #60DBO-153798 · FL #MBR7286 · MI #FL0024463

What you'll need

•Government-issued ID
•Recent pay stubs / proof of income
•2 months of bank statements
•The area or price range you're buying in California

How it works

Tell us about your deal. 2 minutes, no credit impact.
We match you to the right down payment assistance structure for California.
A specialist reaches out fast with your options.
Close and fund your deal.

Down Payment Assistance in California — FAQ

How much of my down payment can assistance cover in California?

Depending on the program and your eligibility, assistance can cover most or all of your down payment plus a chunk of your closing costs. Programs, amounts, and terms vary by state and county — we'll show you the ones you actually qualify for.

Do I have to pay down payment assistance back?

It depends on the program. Some assistance is a grant you never repay; some is a second loan that's forgiven over a few years; and some is deferred — you repay it only when you sell or refinance. We'll explain exactly how each option you qualify for works before you commit.

Is down payment assistance only for first-time buyers?

Often, but not always. Some programs define a 'first-time buyer' as anyone who hasn't owned a home in the last three years, and others are open to repeat buyers or specific professions like teachers, first responders, and veterans. We'll check what fits you.

Get pre-qualified →

No impact to your credit to get started.