Homeownership / Compradores de Casa

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Down Payment Assistance Programs for Homeownership Opportunities

The City of Napa's Down Payment Assistance Program is funded through grant funds received from the State of California's Department of Housing and Community Development. The Down Payment Assistance is in the form of a silent second (deferred payment) loan and can be used to purchase homes within the city limits of Napa. The eligibility criteria for these programs are listed below.

FIRST TIME HOMEBUYER PROGRAM:

Program Criteria for HOME Program and CalHome General Funds

View the program informational flyer in ENGLISH or SPANISH.

Buyer must be a first time homebuyer or have not owned a home for a the past three years.
Must be income eligible. See Income Limit Chart.
Complete ONE of the Certified Homebuyer Education Programs below:
- www.ehomeamerica.org/she
- www.balancepro.org/workshops
Maximum loan amount of $150,000 or 30% of the purchase price, whichever is less.
Terms: 1% interest rate, no payments required, and loan will be due in 30 years.
Maximum purchase price limit for Single Family: $569,000
Maximum purchase price limit for Condos: $569,000

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BUYING A HOME AFTER A DISASTER:

Program Criteria for CalHome Disaster Funds

View the program informational flyer in ENGLISH or SPANISH

Buyer must have lost their home as a result of the October 2017 Wine Country Fires or other qualifying disaster.
Or buyer's rent must have increased by 5% or more after the October 2017 Wine Country Fires.
Must be income eligible. See Income Eligibility Chart.
Complete ONE of the Certified Homebuyer Education Programs below:
- www.ehomeamerica.org/she
- www.balancepro.org/workshops
Maximum loan about of $100,000.
Single Family and Condo: 1% interest rate, no payments required, 30-year loan.
Manufactured Home: 0% interest, no payments required, 20-year forgivable loan.

To Apply for Any First Time Homebuyer Program

Go to the City's online participant (applicant) portal at https://portal.neighborlysoftware.com/NAPACA/Participant (the application is available in both English and Spanish). If you prefer to complete a paper application, please email [email protected] or contact Jonathen Sakamoto at (707) 257-9254.

Opportunities in Napa County

For information on other homeownership programs and opportunities within Napa County, including the Cities of American Canyon, St. Helena, Calistoga and Yountville; contact us at 707-257-9254 or by email. Other program requirements and restrictions may be different, depending on funding source and location. Differences include income limits, loan amounts and repayment terms.