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 per HUD.  (Income Limit Chart)
  • City will loan up to $150,000 or 30% of the purchase price, whichever is less
  • 30 year loan, deferred payments for 30 years
  • 1.0% simple interest rate
  • Funds can be used to purchase homes within the city limits of Napa
  • Maximum purchase price limit: $617,500
  • 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 per State of California HCD. (Income Limit Chart) 
  • 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 30 years
  • Funds can be used to purchase homes and mobile 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

Workshops have been scheduled to educate first time homebuyers on the home buying and mortgage loan process, and to inform them about the City's Down Payment Assistance Program eligibility criteria. The next available workshop will be held on October 29th at 6:30 p.m. at the City of Napa's City Council Chambers located at 955 School Street. Seating is limited, and please no small children 

To register, email: mlopez@cityofnapa.org. Those in the market for a first home are encouraged to learn more and attend one of the City sponsored workshops.

Opportunities in Napa County

For information on other homeownership programs and opportunities within Napa County, including the Cities of American Canyon, St. Helena, and 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.