The Golden State Finance Authority (GSFA) offers its Platinum Program to help with the down payment and closing costs of a home loan. Assistance is offered in the form of a grant for up to 5% of the loan amount. This does not need to be paid back.

Eligible applicants must be using the house as their primary residence, fall within certain income limits, have a minimum credit score of 640, and a debt-to-income ratio no higher than 50%.

Other programs in California:

• MyHome Assistance Program
• Brentwood Down Payment Assistance Program
• Emeryville First Time Homebuyer Loan Program
• CalHome Program
• First Home Mortgage Program
• Monterey County Down Payment Assistance Program
• Santa Ana Downpayment Assistance Program
• Riverside Down Payment Assistance Program
• School Teacher Employee Assistance Program

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