Down Payment Resources

There are over 2400 programs across the country, such as loans, grants, tax credits and more for eligible homebuyers that can help achieve the down payment faster, help cover closing costs and settle in their dream home sooner than they would have otherwise.  From government funded programs, to non-profits and employer funded programs, some of them are right in your backyard!  

The most common Homeownership Programs are Down Payment Assistance, Affordable 1st Mortgages, and Mortgage Credit Certificate. 

Down Payment Assistance Program is funded by Non-profit, government, or Employer Assisted Housing (EAH) for "first-time homebuyer" who hasn't owned a home in 3 years. Affordable 1st Mortgages and Mortgage Credit Certificate work in conjunction with the Down Payment Programs to reduce interest rate and provide tax credit. 

Every one of those many programs out there has different features, benefits and requirements. First thing you need to know is that whether or not you are qualified for any of those programs. 

To check your eligibility and match your needs with the programs, please click the Down Payment Connect page. 

For program provided by Napa County, please see the Napa County Website.

For program provided by the City of Napa, please see the Napa City Website.

For Program provided by Sonoma County, Please see the Sonoma County Website.