Navigate the complexities of California's down payment assistance programs. Compare CalHFA, LIPA, and MIPA to find the perfect solution for your homebuying journey.
California Housing Finance Agency programs
Low Income Purchase Assistance
Moderate Income Purchase Assistance
At Equitable Lending, we know that coming up with a down payment can be one of the biggest hurdles to buying a home—especially for first-time buyers. That's why we work closely with clients to explore the best available assistance programs, including CalHFA, LIPA/MIPA, and other local and state-funded grants that can reduce or eliminate your upfront costs.
State-sponsored programs with flexible credit requirements
Local incentive programs for specific communities
Municipal assistance for moderate income buyers
See how our down payment assistance programs have helped real families achieve their homeownership dreams.
Read more client reviews
"Thanks to CalHFA and Equitable Lending's expertise, we got into our dream home with just 3% down. The process was seamless and their team guided us through every step."
"As a teacher, the LIPA program was perfect for my situation. Equitable Lending helped me stack multiple assistance programs to cover my entire down payment."
"The MIPA program in our city was exactly what we needed. Equitable Lending's knowledge of local programs saved us thousands and made homeownership possible."
"Equitable Lending made our dream of homeownership a reality. They guided us through every down payment assistance option available and helped us secure the perfect program for our situation."
Compare the key features, benefits, and requirements of each down payment assistance program to find the perfect match for your homebuying needs.
California Housing Finance Agency
Buyers with stable income, decent credit, but limited savings
Local Incentive Program Assistance
Buyers seeking local support and layered assistance options
Municipal Incentive Program Assistance
Moderate income buyers in specific municipal areas
In addition to CalHFA and local incentives, we help our clients explore a wide range of state, nonprofit, and private DPA programs, including:
Down Payment Assistance programs
BorrowSmart℠ programs
Federal Home Loan Bank grants
Specific grants for service members
Our mortgage advisors will assess your income & credit profile, location & profession, and purchase price & home type to match you with the best-fitting program(s).
Get Your AssessmentDown payment shouldn't stand between you and homeownership. At Equitable Lending, we'll walk you through the options, explain the fine print, and help you take full advantage of the support that's available.
Available in assistance
Fast application & approval
Personalized program matching
Have questions? Our mortgage specialists are here to help.