| A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | |
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1 | Program Type | Program Name | City/County | Provider/Bank | Max Assistance / Structure | First-Time Buyer? | Required Class? | Geographic Restrictions | Website / Source | Status | |||||||
2 | City | FTHB Deferred Loan (CalHome-era; varies by funding) | City of El Monte (LA County) | City of El Monte – Housing | Deferred loan; amounts per funding | Yes | Yes | El Monte only | https://ca-elmonte.civicplus.com/DocumentCenter/View/6390/First-Time-Homebuyer-Program-Guidelines?bidId= | Periodic (subject to funding) | |||||||
3 | City | First-Time Homebuyer Down Payment Assistance | City of Garden Grove (Orange County) | Garden Grove Housing Authority | Up to ~$100k+ deferred loan (varies by funding) | Yes | Yes | Garden Grove only | https://ggcity.org/ecd/housing#homebuyer | Open when funded | |||||||
4 | City | Low Income Purchase Assistance (LIPA) | City of Los Angeles (LA County) | Los Angeles Housing Department (LAHD) | Deferred loan to assist with down payment, acquisition & closing costs (amount varies by funding) | Yes | Yes, HUD-approved education typically required | City of Los Angeles only | https://housing.lacity.gov/housing/first-time-homebuyers | Open (subject to funding) | Consolidated 1 duplicate row(s) sharing the same link into this entry. | |||||||
5 | County | Affordable Homeownership Program (AHOP) – formerly HOP | Los Angeles County (countywide) | Los Angeles County Development Authority (LACDA) | Secondary mortgage; payments deferred until sale/transfer/refi | Yes | Yes (counseling/education) | Participating LA County jurisdictions | https://housing.lacounty.gov/ProgramInfo.html | Open (subject to funding) | Consolidated 71 duplicate row(s) sharing the same link into this entry. | |||||||
6 | City | Inclusionary Ownership Program (resale-restricted units) | City of Huntington Beach (Orange County) | City of Huntington Beach | Affordable for-sale units; resale controls keep price affordable | Often required | Varies | City of Huntington Beach | https://huntingtonbeachca.gov/departments/community_development/affordable_housing/inclusionary_housing_ownership_program.php | Ongoing (as units become available) | |||||||
7 | City | Inclusionary / Homebuyer Grant up to $50,000 | City of Huntington Beach (Orange County) | City of Huntington Beach – Community Dev. | Grant up to $50,000 when available; also inclusionary for-sale units | Often required for certain offerings | Yes for grants; inclusionary has separate rules | City of Huntington Beach only | https://huntingtonbeachca.gov/departments/community_development/affordable_housing/other_housing_programs.php | Open/periodic (subject to funding) | |||||||
8 | County | Mortgage Assistance Program (MAP) – Deferred DPA Loan | Orange County (countywide) | OC Housing & Community Development (OCHCD) | Deferred-payment silent second (amount varies by city/funding) | Yes | Yes | Participating Orange County jurisdictions | https://ochcd.org/housing/mortgage-assistance-program | City refers residents to County (OCHCD MAP). Use County program page for details. | Consolidated 28 duplicate row(s) sharing the same link into this entry. | |||||||
9 | Bank | University Credit Union – WISH Grants | LA & Orange counties | University Credit Union (UCU) | WISH 4:1 matching up to ~$32,099 (2025) | Yes | Yes | Within UCU/FHLBSF footprint | https://supplychain.ucdavis.edu/news/WISH | Active while funds last | |||||||
10 | City | CalHome-funded FTHB (award/plan updates) | City of Pasadena (LA County) | City of Pasadena – Housing Dept. | CalHome DPA/rehab activities per HCD award | Yes (for DPA) | Yes | Pasadena only | https://ww2.cityofpasadena.net/2024%20Agendas/May_20_24/AR%201.pdf | In development / subject to HCD agreement | |||||||
11 | City | BEGIN / Homebuyer Assistance (deferred loan) | City of Anaheim (Orange County) | City of Anaheim – Housing & Community Dev. | Deferred second mortgage (amount varies; recent trust plan indicates $50k citywide loan) | Yes | Yes | Anaheim only | https://www.anaheim.net/5891/Affordable-Homeownership-Opportunities | Planned/periodic (subject to funding) | |||||||
12 | Bank | Bank of America America’s Home Grant | LA & Orange counties (eligible tracts) | Bank of America | Up to $7,500 lender credit for nonrecurring closing costs / rate buydown | Not strictly, often used by FTHB | May require education | Select markets/tracts | https://www.bankofamerica.com/mortgage/affordable-housing-programs/ | Active | Consolidated 1 duplicate row(s) sharing the same link into this entry. | |||||||
13 | Bank | Bank of Hope – 5% Down Payment Program | LA & Orange counties | Bank of Hope | Low down payment (5%); seller credit up to 3% allowed | Welcome | Not required | Bank footprint | https://www.bankofhope.com/5downmortgage | Active | |||||||
14 | Bank | Cathay Bank – Community Home Buyer’s Program | LA & Orange counties | Cathay Bank | Low down payment options; partners may offer grants (e.g., via nonprofits) | Often | As applicable | Bank footprint | https://www.cathaybank.com/about-us/insights-by-cathay/first-time-homebuyers-tips | Active | |||||||
15 | Bank | Chase Homebuyer Grant | LA & Orange counties (eligible locations) | JPMorgan Chase | $2,500–$5,000 grant (varies by location) | Not required; often used by FTHB | May require counseling | Designated areas | https://www.chase.com/personal/mortgage/affordable-lending | Active | |||||||
16 | Bank | Citi HomeRun Mortgage + DPA options | LA & Orange counties | Citibank | Low down payment, flexible underwriting; local DPA layering | Often | As required by DPA | Available in CA | https://www.citi.com/mortgages/homerun-mortgage/ | Active | |||||||
17 | City | Affordable Homeownership / Resources (incl. MAP referrals) | City of Fullerton (Orange County) | City of Fullerton | Refers to OC Mortgage Assistance Program (MAP) | Yes (MAP) | Yes (MAP) | Orange County | https://www.cityoffullerton.com/government/departments/community-and-economic-development/housing-neighborhood-services/affordable-housing | Active referral | |||||||
18 | City | First Time Homebuyer Program (FTHB) | City of South El Monte (LA County) | City of South El Monte | Deferred loan; amounts per funding | Yes | Yes | South El Monte only | https://www.cityofsouthelmonte.org/DocumentCenter/View/948/FTHB-Program-Guidelines-Rev082624-Final | Open/periodic (subject to funding) | |||||||
19 | Bank | City National Bank – Ladder Up Home Loan Grant | LA & Orange counties (eligible areas) | City National Bank | Down payment as low as 3%; grant support toward DP/closing (amount varies; reports up to $50k in some cases) | Often | May require education | Eligible markets | https://www.cnb.com/personal-banking/lending/mortgages/ladder-up-home-loan-grant.html | Active/varies by market | |||||||
20 | Bank | Pacific Premier Bank – Middle-Income DPA (MDPA) | LA & Orange counties | Pacific Premier Bank | Assistance for middle-income buyers (per FHLBank SF MDPA) | Not strictly | May not be required | Bank footprint | https://www.fhlbsf.com/ | Active (subject to funding) | |||||||
21 | Bank | East West Bank – WISH Matching Grants (via FHLBank SF) | LA & Orange counties | East West Bank | WISH 4:1 match up to annual cap (2025 example: up to $32,099) | Yes | Yes (homebuyer education) | Within bank footprint; CA eligible | https://www.fhlbsf.com/products/community-programs-grants/wish/ | Active (subject to annual funding) | |||||||
22 | City | Homebuyer Assistance (press/updates) | City of Lancaster (LA County) | City of Lancaster | Forgivable/assistance; terms vary by funding | Usually yes | Likely yes | Lancaster only | https://www.instagram.com/p/C0SbDReuFoV/ | Seeking additional funding / periodic | |||||||
23 | Bank | Kinecta FCU – HomeAdvantage® Rebate | LA County & OC | Kinecta Federal Credit Union | Real estate agent commission rebate (varies) applied to closing costs | No | No | CA | https://www.kinecta.org/uploadedfiles/retail/products_and_services/loans/home_loans/11215-homebuyerkit-updates-brandingincorporation-singlepages.pdf | Active | |||||||
24 | Bank | Logix FCU – First-Time Buyer (3% down) | LA County & OC | Logix Federal Credit Union | Low down payment (3%) via HomeReady-type option | Yes | As required by program | CA | https://www.logixbanking.com/loans/mortgages/home-buying-loans | Active | |||||||
25 | Bank | Logix FCU – Closing Cost Credit (promo) | LA County & OC | Logix Federal Credit Union | $2,000 off closing costs (promo) | No (promo) | No | CA | https://www.logixbanking.com/promotions/2000-closing-cost | Active (limited time) | |||||||
26 | City | First-Time Homebuyer Assistance Program (FTHAP) – Grant up to $25,000 | City of Long Beach (LA County) | Long Beach Community Development Dept. | Grant up to $25,000 for down payment/closing costs | Yes; plus first-generation requirement | Yes (homebuyer education) | City of Long Beach only | https://www.longbeach.gov/lbcd/hn/homebuyer/ | Open (subject to availability) | |||||||
27 | City | Inglewood Homeownership Initiative (admin. by NHS) | City of Inglewood (LA County) | Neighborhood Housing Services of LA County (with City) | Up to $50,000 grant (when available) | Yes | Yes (NHS education) | Residents who live or work in Inglewood | https://www.nhslacounty.org/programs-and-services/inglewood-homeownership-initiative/ | Open/periodic (subject to funding) | |||||||
28 | Bank | Orange County’s Credit Union – Zero Down Home Loan | Orange County & LA County (CA properties) | Orange County’s Credit Union | Zero down structure; lower MI; no points option | For first-time & repeat buyers | Not required | California properties | https://www.orangecountyscu.org/products/home-loans/zero-down-home-loan/ | Active | |||||||
29 | Bank | Orange County’s Credit Union – 3% Down Option | Orange County & LA County (CA properties) | Orange County’s Credit Union | Low down, lower MI; increased qualification flexibility | Yes (and repeat) | No | California properties | https://www.orangecountyscu.org/stories/enhanced-3-down-payment-option/ | Active | |||||||
30 | City | Mortgage Assistance Program (MAP) | City of Pomona (LA County) | Pomona Housing Division | Deferred payment second; amount per guidelines | Yes | Yes | Pomona only | https://www.pomonaca.gov/1260/Mortgage-Assistance-Program | Open/periodic (subject to funding) | |||||||
31 | Bank | Pacific Premier Bank – WISH Grants | LA & Orange counties | Pacific Premier Bank | WISH 4:1 matching up to annual cap (e.g., $32,099 in 2025) | Yes | Yes | Bank footprint incl. SoCal | https://www.ppbi.com/corporate-responsibility/community-reinvestment-act.html | Active (subject to funding) | |||||||
32 | City | My First Home (Down Payment Assistance) | City of Santa Ana (Orange County) | City of Santa Ana – Housing Division | Up to $120,000 silent second (deferred) per program year | Yes | Yes | City of Santa Ana only | https://www.santa-ana.org/my-first-home/ | Open/periodic (depends on funding) | |||||||
33 | Bank | SchoolsFirst FCU – HomeAccess™ Loan (low down) | Orange & LA counties | SchoolsFirst Federal Credit Union | Low down (as low as 3%) & reduced PMI; closing cost advantages | First-time or returning buyers | No | CA | https://www.schoolsfirstfcu.org/advice/financial-wellness/home/get-a-home-loan-without-dipping-into-retirement-savings/ | Active | |||||||
34 | Bank | U.S. Bank Access Home Loan (SPCP) | LA & Orange counties (eligible census tracts) | U.S. Bank | Up to $12,500 DPA + up to $5,000 lender credit (up to $17,500) | Not required | May require education | Specific eligible markets/tracts | https://www.usbank.com/about-us-bank/company-blog/article-library/us-bank-launches-access-home-loan-mortgage-to-increase-access-to-homeownership.html | Active | |||||||
35 | Bank | U.S. Bank American Dream Mortgage (DPA) | LA & Orange counties (eligible areas) | U.S. Bank | Down payment assistance up to $5,500 or 3% (max $10,000) + MI paid by bank | Often | May require education | Select markets/tracts | https://www.usbank.com/home-loans/mortgage/american-dream-mortgage.html | Active | |||||||
36 | Bank | Wells Fargo Homebuyer Access Grant | LA & Orange counties (eligible communities) | Wells Fargo | Grant up to $10,000 for down payment/closing costs in eligible areas | Primarily FTHB | May require counseling | Select areas | https://www.wellsfargo.com/mortgage/homebuyer-grant/ | Active | |||||||
37 | City | First-Time Homebuyer Purchase Assistance | City of West Covina (LA County) | City of West Covina | Deferred second; terms per city | Yes | Yes | West Covina only | https://www.westcovina.org/departments/community-development/housing/first-time-homebuyer-program | Open/periodic (subject to funding) | |||||||
38 | County | LACDA Home Ownership Program (HOP80/HOP120) | Los Angeles County | Los Angeles County Development Authority | Deferred-payment second up to 20% (HOP80/HOP120). | Usually | Often HUD/NeighborWorks | Unincorporated LA County & participating cities. | https://www.lacda.org/home-ownership/home-ownership-program | County canonical page for AHOP/HOP. | |||||||
39 | City | Norwalk — CalHome First-Time Homebuyer | City of Norwalk (Los Angeles County) | City of Norwalk Community Development | Deferred-payment loan up to $200,000 (site lists amounts). | Usually | Often HUD/NeighborWorks | Within Norwalk city limits. | https://norwalkca.gov/departments_services/community_development/calhome_program.php | Active funding listed on site. | |||||||
40 | City | Huntington Park — First-Time Homebuyer (CalHome) | City of Huntington Park (Los Angeles County) | City of Huntington Park | Deferred-payment assistance (CalHome). | Usually | Often HUD/NeighborWorks | Within Huntington Park city limits. | https://hpca.gov/818/First-Time-Home-Buyer-Program-FTHB | ||||||||
41 | City | Whittier — Affordable Home Ownership Program (AHOP) | City of Whittier (Los Angeles County) | City of Whittier | Silent second on designated affordable units. | Usually | Often HUD/NeighborWorks | Within Whittier. | https://www.cityofwhittier.org/government/community-development/economic-development-housing-program | ||||||||
42 | County | Orange County — Mortgage Assistance Program (MAP) | Orange County | Orange County Housing & Community Dev. (OCHCD) | Silent second up to program cap (site references $80,000). | Usually | Often HUD/NeighborWorks | Participating cities in Orange County. | https://ochcd.org/housing-development/homeowner-programs | County canonical MAP page. | |||||||
43 | City | Brea — Homebuyer Program | City of Brea (Orange County) | City of Brea | Below-Market for-sale program + referral to County MAP. | Usually | Often HUD/NeighborWorks | Within Brea. | https://www.cityofbrea.gov/169/Homebuyer-Program | ||||||||
44 | City | La Habra — Homeowner Programs (County MAP referral) | City of La Habra (Orange County) | City of La Habra | Refers to County MAP silent second. | Usually | Often HUD/NeighborWorks | Within La Habra. | https://lahabraca.gov/294/Homeowner-Programs | ||||||||
45 | City | Irvine — Affordable Home Ownership (resources) | City of Irvine (Orange County) | City of Irvine | Includes resources; historically had DAP/LPP; see site. | Usually | Often HUD/NeighborWorks | Within Irvine. | https://cityofirvine.org/affordable-housing/affordable-home-ownership | ||||||||
46 | City | San Juan Capistrano — OC MAP Info Sheet | City of San Juan Capistrano (Orange County) | City of San Juan Capistrano | MAP: 3% deferred interest, 30-year term (per sheet). | Usually | Often HUD/NeighborWorks | Within San Juan Capistrano. | https://www.sanjuancapistrano.org/DocumentCenter/View/420 | ||||||||
47 | City | NeighborWorks Orange County — Down Payment Assistance | Orange County (Regional) | NeighborWorks Orange County (NWOC) | Varies: DPA lending + classes; can pair with MAP/WISH. | Usually | Often HUD/NeighborWorks | Orange County & surrounding. | https://nwoc.org/downpayment-assistance/ | ||||||||
48 | City | Affordable Housing Clearinghouse — OC MAP Overview | Orange County (Regional) | Affordable Housing Clearinghouse | MAP overview + counseling. | Usually | Often HUD/NeighborWorks | Orange County. | https://affordable-housing.org/orange-county-mortgage-assistance-program/ | ||||||||
49 | City | Habitat LA — Down Payment Assistance Program | Los Angeles County (Regional) | Habitat for Humanity Greater LA | Up to $100,000 DPA; grant/forgivable terms per guidelines. | Usually | Often HUD/NeighborWorks | Greater LA | https://www.habitatla.org/habitat-la-downpayment-assistance-program/ | ||||||||
50 | County | LA County DCBA — Greenline Home Program (Grant) | Los Angeles County | LA County Department of Consumer & Business Affairs | $35,000 grant for DP/closing costs. | Usually | Often HUD/NeighborWorks | Los Angeles County. | https://dcba.lacounty.gov/greenline/ | Newer county grant (not LACDA). | |||||||
51 | Bank | BMO — Low Down Payment & Grants | LA/OC (Eligible Areas) | BMO (Bank of the West legacy footprint) | Welcome Home + LMCT grants; up to $16,000 total (see site). | Usually | Often HUD/NeighborWorks | Select CA markets. | https://www.bmo.com/en-us/main/personal/mortgages/low-down-payment-mortgages/ | ||||||||
52 | Bank | PNC — $5,000 Grant & DPA Options | LA/OC (Eligible Areas) | PNC Bank | $5,000 grant toward closing costs (see eligibility). | Usually | Often HUD/NeighborWorks | Select CA markets; check eligibility. | https://www.pnc.com/en/personal-banking/borrowing/home-lending/mortgage-loans/FHA-Loan.html | ||||||||
53 | Bank | U.S. Bank — Access Home Loan (SPCP) | LA/OC (Eligible Areas) | U.S. Bank | Up to $17,500 combined DPA+lender credit (per site). | Usually | Often HUD/NeighborWorks | Eligible communities; combine with other DPA. | https://www.usbank.com/home-loans/mortgage/access-home-loan.html | ||||||||
54 | Bank | Wescom Credit Union — Down Payment Assistance (Grant) | LA/OC (Eligible Areas) | Wescom Credit Union | Grants up to $50,000 (per Wescom news). | Usually | Often HUD/NeighborWorks | California; SoCal focus. | https://news.wescom.org/down-payment-assistance-program | ||||||||
55 | Bank | Premier America CU — WISH Grants | LA/OC (Eligible Areas) | Premier America Credit Union | WISH 4:1 matching up to $32,099 (2025). | Usually | Often HUD/NeighborWorks | FHLB SF member territory. | https://www.premieramerica.com/borrow/home-loans/mortgages/wish-program | ||||||||
56 | Bank | Southland Credit Union — WISH Grants | LA/OC (Eligible Areas) | Southland Credit Union | WISH 4:1 matching (annual cap). | Usually | Often HUD/NeighborWorks | Orange & LA Counties. | https://www.southlandcu.org/scu-news/2024/june/wish-down-payment-assistance-grant-program/ | ||||||||
57 | Bank | California Credit Union — First-Time Home Buyer Programs | LA/OC (Eligible Areas) | California Credit Union | Low down options; pairs w/CalHFA/WISH where eligible. | Usually | Often HUD/NeighborWorks | Southern California. | https://www.ccu.com/borrow/personal/first-time-home-buyers/ | ||||||||
58 | Bank | Farmers & Merchants Bank — DPA Matching Grants (Press) | LA/OC (Eligible Areas) | Farmers & Merchants Bank (Long Beach) | Provides DPA via matching grant programs (press). | Usually | Often HUD/NeighborWorks | Southern California footprint. | https://www.fmb.com/news-and-community/press-releases/2024/09/fmb-provides-downpayment-assistance-for-first-time-homebuyers | ||||||||
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