Middle Income Down Payment Assistance

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Support for Buyers Who Need a Boost

You may earn too much to qualify for traditional assistance—but still need help covering upfront costs. That’s where the Middle Income Down Payment Assistance Program* comes in. This program is designed to bridge the gap, giving more homebuyers the opportunity to achieve homeownership with confidence.

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Patricia Jacobs, Mortgage Lending Consultant,
Email: [email protected]
Telephone: 916-212-9375
NMLS ID 1242505 | HCCU NMLS ID 454785

How Middle Income Down Payment Assistance Helps
  • Be a first-time homebuyer, as defined by the U.S. Department of Housing and Urban Development (HUD)
  • Income eligibility requires the homebuyer household to have earnings between 80.01% and 140% of the HUD defined AMI based on purchase property address and adjusted for household size
  • Successfully complete a homebuyer counseling program
  • Open escrow on a home purchase transaction, with closing scheduled within 30 days prior to the Bank member requesting program funds, which such member will disburse to the homebuyer
  • Make a minimum contribution of $10,000, which may come from savings or gifted funds

Not a member yet? Anyone who lives, works, worships, or attends school in Sacramento, Placer, El Dorado, Yolo, and San Joaquin Counties is eligible to join. Also, any California resident can become eligible by joining the Financial Fitness Association, which you can select during our online application process. Read more about how to join HCCU.

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*Down payment assistance programs are offered through third-party providers and are subject to availability, funding limits, and program guidelines. Eligibility requirements, including income limits, may change without notice. Heritage Community Credit Union cannot guarantee approval or availability of these programs. All applications are subject to review and approval.

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