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Down payment assistance available for home buyers

Businessman with Coat and Tie Holding House.Looking to purchase a home but you need help with down payment assistance? Contact the San Bernardino County Community Development and Housing Department for more information at 909.387.4389.

Click here for more information or click here for a list of down payment assistance and home repair programs.

46 thoughts on "Down payment assistance available for home buyers"

  1. Scott Murphy says:

    Interested in information, iam in the Victor Valley area.

    1. The County offers information on events and programs countywide at

  2. Rosa Lizarraga says:

    I’m looking for assistance with down payment to purchase a home in the city of fontana

    1. Contact the San Bernardino County Community Development and Housing Department at 909.387.4389 for information on how you can get assistance.

  3. Marcella Sterling says:

    Does anyone know anyone who went through this program? And how did it go for them? I am also tired of renting and in the market of buying a home but would like and need assistance in the down payment.

    1. Luis Zapata says:

      Hi Marcella,

      Please call me for details, I work with Century 21. My name is Luis Zapata and my cell phone # is 626-827-3161. I currently have a brand new home for sale in San Bernardino and we are looking to work with a down payment assistance program to sell our homes.

      1. Tim says:

        Luis is there down payment assistance programs available in San Bernardino? I interested in a home, can you help?

        1. Please call 909-387-4389 for information on down payment assistance. Thank you.

      2. Katt says:

        Is this program still going on?

        1. Hi Luis, Yes. Please contact Community Development and Housing for more information at 909.387.4389

  4. Claudia says:

    OK, I am ready to buy a home. Has anyone received assistance from any of the programs, what was your experience?

    1. Deb B says:

      I did. My experience was great. Eleven years later I’m ready to sell.

  5. angelica campos says:

    i just bought a house in alta loma ca needs help i need to fix bathroom floors walls is there a program?

    1. Hi Angelica. There are programs available through the county. Click here for information. You should also click here for information on a federal program.

  6. Cynthia Baker says:

    Hi how does someone apply for the down payment assistance and does anyone know how long the process takes? What are the basic requirements?

    1. Hi there. Please contact our Community Development and Housing Department at (909) 387-4389.

  7. Ash says:

    Hello, I’m wanting to know if the down payment program only applies to actual houses or if mobile homes count as well? I would assume not but worth a try, thank you.

    1. Hi Ash, you should check with the specific program because it depends on a variety of factors. Please contact Community Development and Housing at 909.387.4389 for more information.

  8. Victor Perez says:

    Do I currently have to live in San Bernardino county for home buyer assistance? I currently reside in Los Angeles but would like to purchase a home in San Bernardino county. Thank you in advance for your time and help.

    1. No, the home just needs to be located in Riverside or San Bernardino; however, the income and sales price of the home in based upon our standards.

  9. Jose Rodriguez says:

    I am in this program since 2010. Great program!

  10. Angela C. says:

    Do you have to make less than a certain amount yearly to qualify for Down Payment Assistance Program? If so what is the amount. Thank you.

    1. Hi Angela, different down payment programs have different requirements and every case is unique. Please contact Betty Schneider at Community Development and Housing for information about these programs at 909-387-4705 or

  11. Nikki G. says:

    Can you apply for these programs if you are doing a VA home loan?

    1. Hi Nikki, many of these programs have different requirements based on your individual circumstances. It is best to contact the programs linked to this blog item for more information. We will also email you a list of organizations to contact.

  12. Gilbert Gonzalez says:

    im looking for down payment assistance, possibly in Yucaipa,

    1. Hi Gilbert, try one of these organizations: NHSIE CalHome, County of San Bernardino & Riverside County- Census tract based, or 909/884-6891
      Opportunity Down Payment Program, Inland Valley- San Bernardino County, or 909/988-5979
      W.I.S.H. (Workforce Initiative Subsidy for Homeownership) Down Payment Assistance Loan -Inland Valley- San Bernardino County, or 909/988-5979
      NHSIE East West Bank – REACH Program San Bernardino, Riverside & San Diego Counties, or 909/884-6891
      California Housing Finance Agency, State of California, or 877/9.CalHFA
      Golden State Finance Authority – Mortgage Credit Certificate (MCC), State of California,
      Golden State Finance Authority -(GSFA) Platinum Program, State of California, or 1/855-740-8422

  13. Nicole Heck says:

    I’m looking to buy a manufactured home. I would need to put 3% down, are there any first-time home buyer programs that can help me with the 3% down payment and work for a manufactured home? I’m low income and have kids

    1. Hi Nicole, contact the housing assistance numbers on this link to see if there are any programs available that can help you attain a manufactured home:

    2. Yes, CALHFA allows manufactured home with a fico score of 660

  14. Kim ronga says:

    Looking to buy a home in joshua tree cal .My landlord sold the trailer ive beem living in. For the past 3 years .im a i h s s worker for the county but on such short notice wich was 22 days and i also jabe my client whom staying woth me short turm and a 13 year old is there any prograns thay would be willing to jelp me i habe never bought a home before and im wanting to settle diwn i make 11.00 am hour and i have 120 hours a month ..

    1. Hi Kim, there may be a program to help you. You should contact some of these organizations with questions pertaining to your particular circumstances or you can contact the Inland Fair Housing and Mediation Board because they conduct workshops on home buying: or 1-800-321=0911. Good luck!

  15. Linda C says:

    Looking to buy a home (first time) – Down Payment Assistance Options?

    So I’m almost 40 and I’ve always lived in apartments, except from 2015-2017 when I moved in with my gf because we had a kid.

    Long story short…it didn’t work out and now I’m back in an apartment. I make a decent living but I make more than the income limits for down payment assistance for a new home.

    This is the point in my life where I wish I had been more responsible and now I’m making strides to do that by paying down debt.

    However, who knows when I’ll have enough for a down payment for a home for me and my daughter. Are there any options for me when I make more than income required for assistance?

    1. Hi Linda, the best thing to do would be to call the Inland Fair Housing and Mediation Board because they conduct workshops on home buying: or 1-800-321-0911. They can probably answer the questions you are asking about income needs to buy a home.

    2. It’s tough to say without knowing your income but all programs have their own income limits. The highest amount for San Bernardino County is 131,600. If you make more than that mount, these programs will say you make enough to save for a down payment.

  16. Kira Aparicio says:

    If I am looking to buy a home for the first time and I am not working but do receive income and plan on going back to school for nursing do they assist people like me? I just really need a house and not an apartment because I have 4 young kids whom need their space for once.

    1. Hi Kira, you may want to contact the Inland Fair Housing and Mediation Board for information on first time home buying Good luck!

  17. Valerie Romo says:

    Hello my name is Valerie, I’m 32 years old single mother of 1. I have been living with my mother for some time now. Currently working on my credit and I am employed. However, I am interested in obtaining more details in purchasing my first home. I don’t want to rent or get an apt. I feel I need to start now on purchasing a home to grow old in. Or so that I may leave an asset for my child and his future family. Please advise, what programs can assist. Thanks!

    1. Hi Valerie, contact the Inland Fair Housing and Mediation Board for housing counseling resources at

  18. James Clayton says:

    This is using public money– taxpayer money to subsidize the banking industry. Speaking with a high school math teacher, recently, at an OFFICE DEPOT location, I was not surprised but was disappointed that he didn’t understand how home loans are amortized and that like student loans it is a form of slavery. Print-out your loan amortization table, which your lender should provide upon request, make a copy of it and file the original. Then start prepaying principal preferably in increments on an entire monthly payment. If you can’t afford to actually do it, then pretend you’re doing it and learn what it would save in interest and get busy. If you can’t explain it to your child or spouse then you don’t understand it yet. Whatever you do, don’t refinance and start all over again. Discouraging what I’m describing is as immoral as using taxpayer money to “assist” would-be home-buyers no matter now generous it sounds in such articles. Do it personally– meaning subsidize someone who hasn’t saved for a down-payment with your own money but don’t do it as a government employee with other’s money. Don’t even propagandize for it. That is not equity: it is just more welfare and does not promote responsibility and an honest sense of ownership. Consider BLM vandals and looters, not much different that the Watts riots in 1965 and subsequent similar “demonstrations” in San Bernardino: “I’ll show you; I’ll burn my home and community down; I’ll make a permanent reputation for the place that will destroy property values for anything except concrete tilt-up warehouses such as the #1 Fortune Global 500 company– WalMart, that don’t require anything from government except sales and property tax collection.

  19. Yvonne Coleman says:

    I am looking to buy my first house and will be using my VA. I want to attend your free Home Buying classes that SB County offers when asking for Down payment assistance. Any virtual classes bering held?

    1. Hi Yvonne, please contact the Inland Fair Housing and Mediation Board and they can answer some of your questions about when they may have classes or any advice they can offer you. Visit: Good luck!

  20. Brenda T says:

    Does San Bernardino county participate in the Mortgage Credit Certificate program. If so I need the contact info please.

  21. Jesus felix says:

    Please provide information of how to apply for down payment assistance

    1. Hi Jesus, this particular program may not still be providing assistance as this post is from 2004, but if you are interested in down payment assistance, NHSIE might have more information at

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