Homeownership / Compradores de Casa 

Homeownership Opportunities

The City of Napa has Down Payment Assistance Program is funded through grant funds received from the State of California's Department of Housing and Community Development. The City's Down Payment assistance is in the form of a silent (deferred) loan. Currently, there are two funding sources available and their eligibility criteria are listed.

Home Program Criteria

  • Gross annual income does not exceed 80% of the median income for Napa County, adjusted for family size
  • City will loan 30% of the purchase price
  • 30 year loan, deferred payments for the 30 years
  • 1.0% simple interest rate
  • Funds can be used to purchase homes within the city limits of Napa
  • Maximum purchase price limit: $493,000
  • Buyer must have 1% of purchase price as their share of the transaction.  (Cannot include seller credits)
  • Buyer must be able to qualify for a fixed rate mortgage loan, no ARMs allowed
  • Minimum credit score of 620
  • Buyers cannot have owned a home within the last three years
  • Modest Home-maximum 3 bedroom, 2 bath, unless family size requires a larger home
  • The property must be owner-occupied or vacant at least 90 days prior to the purchase agreement being presented
  • Home must pass Housing Quality Standards inspection
  • Loan is a deferred second mortgage behind a first mortgage loan
  • Attend first time homebuyer workshop

Calhome Program Criteria

  • Gross Annual Income does not exceed 80% of median income for Napa County, adjusted for family size
  • City will loan up to $58,000, or 30% of the purchase price, whichever is less
  • 1.0% simple interest rate, deferred payments
  • 30 year loan, deferred payments for the 30 years
  • Funds can be used to purchase homes within city limits of Napa
  • Maximum purchase price limit, $625,000
  • Buyer must have 1% of purchase price as their share of the transaction. (Cannot include seller credits)
  • Buyer must be able to qualify for a fixed rate mortgage loan, no ARMs allowed
  • Minimum credit score of 620
  • Buyer cannot have owned a home in the last three years
  • Loan is a second mortgage behind a first mortgage loan
  • Attend first time homebuyer workshop

First Time Homebuyer Program

Access a first time homebuyer program application in English (PDF) or Spanish (PDF).

First Time Homebuyer Affordable Housing Workshops

The next available workshop date has not been determined.  We will update this page once the new workshop has been scheduled.  

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 the Town of 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.

Burbank Housing (Redwood Duets)

Information on purchasing units at Burbank Housing’s, Redwood Duet project can be found online. Burbank Housing will be holding project meetings in December. For additional information, email Burbank Housing or call 1-708-890-6383.