GSFA Assist-to-Own
by Golden State Finance Authority
Deferred 0% second-mortgage help for people employed by a GSFA member county.
What you can get
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.
Overview
Deferred 0% second-mortgage help for people employed by a GSFA member county.
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
How to apply
Use the official application or program page. Confirm current instructions with the administrator before you apply.
Preapproval required
Important things to know
Last verified: Sep 6, 2026 · Confidence: High
Official sources
Not sure what you qualify for?
Check your eligibility. We’ll compare your answers with published program rules.
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.