Housing Program Index

Financial Assistance Programs for Homebuyers and Homeowners


Golden State Finance Authority (GSFA) provides access to mortgage financing, down payment assistance, and mortgage credit certificates for California homebuyers.

GSFA also provides financing for homeowners making energy efficiency improvements to residential property(ies) they own.

 

Explore the programs below to learn more.

Down
Payment
Assistance


GSFA provides down payment assistance, currently in the form of a non-repayable grant, sized up to 5% of the first mortgage amount.

The program is available for purchase or refinance of a primary residence anywhere in California and there is no first-time homebuyer requirement to qualify.

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Mortgage
Credit
Certificates


GSFA provides a tax credit certificate to qualifying homebuyers through the issuance of a Mortgage Credit Certificate (MCC). With an MCC, the homebuyer is eligible to take a portion of the interest paid on the mortgage as a special tax credit each year.

The GSFA MCC® Program provides a 20% MCC for eligible homebuyers in over 44 counties of California.

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Energy
Efficiency
Financing


GSFA supports California's goal to reduce energy consumption while also helping the local economy through job creation and retention. With the GSFA Residential Energy Retrofit Program, qualifying homeowners in 44 counties of California can finance energy efficiency measures with a low interest rate loan up to $50,000.

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Multi-Family
Financing


GSFA is now accepting applications for its Multi-Family Housing Program.

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