Mobile or Manufactured Homes

Down Payment Assistance for Mobile Or Manufactured Homes 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
  • 20 year deferred payment - forgivable loan
  • 0% interest rate
  • Loan forgiveness starting year 11 of the loan
  • Funds can be used to purchase a 1974 or newer mobile or manufactured home within the city limits of Napa
  • Buyer must be able to qualify for a first mortgage loan
  • Buyer must have at least 1.0% of the purchase price as their share of the transaction
  • Buyers cannot have owned a home or mobile home within the past three years
  • Minimum credit score of 620
  • Attend a first time homebuyer workshop

Annual Income Limit

Persons Per Household
 80% of Median Income
1 $70,550
2 $80,600
3 $90,700
4 $100,750
5 $108,850
6 $116,900
7 $124,950
8 $133,000