First-time home buyer programs in Fresno
City of Fresno Planning and Development Department, Housing Finance Division runs Mortgage Assistance Program (MAP) for buyers in Fresno: up to $100,000, as a forgivable loan.
- Program available locally
- 1
- Highest amount
- $100,000
- Loan or grant
- A loan that can be forgiven.
Fresno down payment help
| Program | Amount | Loan or grant | Income limit | First-time buyers only |
|---|---|---|---|---|
| Mortgage Assistance Program (MAP). It is run by City of Fresno Planning and Development Department, Housing Finance Division. | Up to $100,000 | A loan that can be forgiven. | Your gross projected household income can't be above the 80% of Area Median Income limit. | Yes |
Who is eligible for Mortgage Assistance Program (MAP)?
Right now, the agency isn't accepting new applications.
- Fresno city limits only (county islands aren't eligible).
- Your gross projected household income can't be above the 80% of Area Median Income limit.
- You have to be a first-time buyer.
- You'll need a homebuyer education course.
- An 8-hour homebuyer education class comes with a certificate.
- When you submit, no past due or collection accounts, unpaid liens or judgments are allowed.
- Only a fixed-rate first mortgage qualifies.
A silent second loan has no monthly payments and can be forgiven over 15 years. You must repay the full amount if the home is sold, title transfers or owner-occupancy ends during the affordability period.
After you hold the home for the period set by the program, the forgivable loan is canceled.
A City participating lender or mortgage broker submits the application packet for you. Check City of Fresno Planning and Development Department, Housing Finance Division's page for Mortgage Assistance Program (MAP) for the full rules.
California's statewide programs work in Fresno too
| Program | Amount | Loan or grant |
|---|---|---|
| CalHFA MyHome Assistance Program | Up to 3.5% of the price or value | Deferred loan |
| CalHFA Zero Interest Program (ZIP) | Up to 3% of the home loan | Deferred loan |
| CalHFA MyAccess | Up to 2.5% of the home loan | Deferred loan |
California Housing Finance Agency offers all California first-time home buyer programs. The income figure for Fresno County appears in our HUD income limit lookup.
Ask a lender about a Fresno home purchase
Tell us where you're buying and a lender that works with California's programs can tell you which of these fit you, and which you can combine.
Would you rather not call? The lender will contact you after you send your details.