Homeownership Opportunities

The City of Napa has Down Payment Assistance Program is funded through grant funds recieved from the State of California's Department of Housing and Community Development. Currently, there are two funding sources available and their eligibility criteria are listed below:

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 property acquisition cost, 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.
• Purchase price limit, $376,000.
• Buyer must have 3% 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.
• Minimum credit score of 620.
• Loan is a second mortgage behind a first mortgage loan.
• Attend first time homebuyer workshop

HOME PROGRAM CRITERIA:

• Gross annual income does not exceed 80% of the median income for Napa County, adjusted for family size.
• City will loan up to $70,000 or 30% of the purchase price, whichever is less.  
• 30 year loan, deferred payments for the 30 years.
• 1.0% simple interest rate.
• Funds can be used to purcase homes within the city limits of Napa.
• Purchase price limit, $380,000.  
• Buyer must have 3% of pourchase price as their share of the transaction.  (Cannot include seller credits).
• Buyer must be able to qualify for a fixed rate mortgage loan.
• 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 pourchase agreement being presented.
• Home must pass Housing Quality Standards inspection.
• Loan is a second mortgage behind a first mortgage loan.
• Attend first time homebuyer workshop.

First Time Homebuyer Program Application- English

Solicitud para el Programa de Primeros Compradores- Español

First Time Homebuyer Affordable Housing Workshops 

Homebuyer education workshops have been scheduled to educate first time homebuyers on the home buying and mortgage loan process and to inform them of the CalHome program eligibility criteria.  The workshops will be held on June 11th and 13th and July 11th and 16th at 6:30 p.m. at the City of Napa's Housing Authority office located at 1115 Seminary Street. Seating is limited.  Please no small children.  To register call Andrea Clark at 707-257-9254 or by email at This e-mail address is being protected from spambots. You need JavaScript enabled to view it . 

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 at This e-mail address is being protected from spambots. You need JavaScript enabled to view it .  Other program requirements and restrictions may be different, depending on funding source and location. Differences include income, affordability and repayment restrictions. 

Have additional questions? Contact us at This e-mail address is being protected from spambots. You need JavaScript enabled to view it or at 707-257-9254.