Down Payment Help
Down Payment Assistance
You may qualify for thousands in free grants or low-interest loans to help with your down payment. Let's find out what's available for you.
Get My QuoteTypes of Assistance Available
Grants
Free money that doesn't need to be repaid. Often for first-time buyers meeting income requirements.
Forgivable Loans
Loans that are forgiven after living in the home for a certain period (often 5-10 years).
Deferred Loans
No payments required until you sell, refinance, or pay off your primary mortgage.
Matched Savings
Programs that match your savings contributions toward a down payment.
California Programs
These are some of the most popular programs available in California and Orange County. Enzo can help you navigate eligibility and application.
California Housing Finance Agency (CalHFA)
State ProgramOffers deferred-payment junior loans up to 3.5% of purchase price for down payment and closing costs.
First-time buyers, income limits apply
MyHome Assistance Program
State ProgramDeferred-payment junior loan up to 3.5% (or 3% for FHA) of the purchase price or appraised value.
First-time homebuyers in California
Orange County Housing Authority
County ProgramDown payment assistance for low-to-moderate income first-time homebuyers in Orange County.
Orange County residents, income limits apply
City of Irvine First-Time Homebuyer
City ProgramProvides silent second mortgages for qualified first-time homebuyers purchasing in Irvine.
Irvine residents/workers, income limits
FHA Loans (3.5% Down)
Loan ProgramGovernment-backed loans requiring only 3.5% down payment with flexible credit requirements.
Credit score 580+, primary residence
VA Loans (0% Down)
Loan ProgramNo down payment required for eligible veterans, active military, and surviving spouses.
Veterans, active duty, National Guard
Down Payment Resource
National ResourceNational database of over 2,000 homebuyer assistance programs searchable by location.
Varies by program
How Enzo Helps
Review Eligibility
We assess your income, location, and buyer status to identify programs you qualify for.
Stack Programs
Many programs can be combined. We help you maximize available assistance.
Handle Applications
We guide you through applications and coordinate with program administrators.
See What You Qualify For
Many buyers leave money on the table. A quick conversation can reveal programs you didn't know existed.