GSFA Assist-to-Own
Golden State Finance Authority
Repayable financing
Repayable — not free savings
Deferred 0% second-mortgage help for people employed by a GSFA member county.
What you could receive
Deferred 0% second of 3.5%, plus a possible gift up to 2%
Repayable financing. Repayable — not free savings.
Assist-to-Own can provide a deferred 0% second of 3.5% of the first-mortgage amount and a gift of up to 2% subject to market conditions. Employment with a listed GSFA member county must be verified. The home can be anywhere in California as a primary residence. This is not a general public DPA.
Who may qualify
- These down-payment programs are for buyers who do not already own the home they are purchasing.
Location / service area
Statewide in California
Important requirements
Do not purchase before approval unless the program administrator confirms otherwise.
Timing / preapproval
Preapproval required
Last verified: Sep 6, 2026 · Confidence: High
Official sources
Eligibility is based on published program information and the details you provide. Program rules, funding and availability can change. Always confirm eligibility with the official program administrator.