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Down Payment Assistance

We can help. There is money for your downpayment, in some communities up to $120,000 in assistance.

Affordable Housing Partnership Program
A joint effort by CalHFA and cities, counties, redevelopment agencies and housing authorities whereby a deferred payment subordinate loan from a locality is utilized by the first-time homebuyer to assist them with down payment and/or closing costs.

CalHFA Housing Assistance Program (CHAP)
Offers a deferred-payment second loan of an amount up to the lesser of two percent (2%) of the purchase price or appraised value.

California Homebuyer's Downpayment Assistance Program (CHDAP)
Offers a deferred-payment junior loan of an amount up to the lesser of three percent (3%) of the purchase price or appraised value.

Extra Credit Teacher Home Purchase Program (ECTP)
A low interest rate CalHFA first loan, together with a forgivable interest CalHFA junior loan to assist eligible teachers, administrators, staff members and classified employees to purchase their first home.

High Cost Area Home Purchase Assistance Program (HiCAP)
Designed to assist first-time homebuyers in the highest housing cost areas of the state to buy real estate.

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Read about the Teacher Next Door Program »

Read about the Officer Next Door Program »

Check out our Glossary of Real Estate Terms »

We can help you get funds inCarlsbad, Chula Vista, El Cajon, San Diego, North Park, Encinitas, Escondido, Imperial Beach, Lemon Grove, National City, Spring Valley,Oceanside, La Mesa, Poway, Rancho Bernardo, Scripps Ranch, and Carmel Valley,.

Call 1-858-602-7800 for a consultation

At Goldman & Klein, we recognize that privacy is important to you. Please take a moment to review our Privacy Policy to assure yourself that we value the trust you have placed in us, and we are committed to earning and maintaining your confidence. Please feel free to contact one of our management team with questions, and if you wish to send us an e-mail, please contact us here.

Michelle Patterson and her family bought their first home and were able to cover their 3% required down payment with the help of the DreamSavers program. They were also able to cover some of their closing costs from the purchase as well.

Goldman & Klein works with HUD-approved brokers from such leading companies as Prudential, Coldwell Banker, RE/MAX, McMillin,House Values, Redfin, House Rebate,Realtor.com,Cyberhomes,Zillow,Real Estate.com, MLS, SoCalMLS, Sandicor, My Community Mortgage, and many redevelopment agencies. Please call us at 1-858-602-7800 so we may refer you to a broker in your area.