Find the down-payment and closing-cost help you qualify for — grants, deferred loans, and programs like Prop 37 — then see how 3% down can beat putting 20% down. Free, no obligation.
Most buyers never find the help that’s out there. We put it in one place — and do the math with you.
Pick your county and price. We show the grants, deferred loans and programs you may qualify for — city, county, state and new ones like Prop 37.
Compare 3% down, 20% down and a Prop 37-style plan side by side, and see what you'd actually pay each month — including the PMI you can skip.
Connect with a local agent and lender who actually use these programs. No cost, no obligation, no pushy calls.
Enter a price and your county. Compare 20% down, a low down payment with PMI, and a 3%-down Prop 37-style plan — then see the assistance programs near you.
Figures are principal & interest plus PMI where it applies — the part that actually differs. Taxes, insurance and HOA are the same across all three, so they don’t change which is cheaper.
The low-down conventional loan and the Prop 37 plan carry nearly the same total debt at the same rate — so the monthly gap is essentially the PMI you skip when a Prop 37 second sits behind an 80% first mortgage.
We’ll connect you with a local agent and lender who actually use these programs. No cost, no obligation.
We make money when a local agent or lender earns your business — never from you. Our job is to get you to the right program and the right people.
HomeGrants is new, so we’re not going to show you reviews we don’t have yet. Here’s our promise instead — and real buyer stories will live here as we help people close.
We’ll never cost you a dime. The tools, the program search and the match are free. You only ever pay the lender or the home — never us.
Real local experts. We connect you with an agent and lender who actually use these programs in your county — not a call center.
Honest numbers. We show what each option really costs and flag what’s proposed vs. funded. No hype, no fake guarantees.
A free tool that helps California buyers find down-payment and closing-cost assistance — grants, deferred loans and special financing — and connects you with a local agent and lender who know how to use them. We're a marketing platform, not a lender or government agency.
Not always. Some programs require it, but many serve repeat buyers, middle-income households, teachers, public employees, veterans and more. Proposition 37, for example, is proposed to not require first-time status. Each program sets its own rules.
With a program like Prop 37, an 80% first mortgage sits in front of a second that covers most of the rest, so you may avoid the PMI a normal low-down loan charges. You keep most of your cash and your monthly payment can be close to — or below — the low-down-plus-PMI option. Use the calculator to see your own numbers.
A measure proposed for California's November 3, 2026 ballot that would let the state provide a second mortgage up to 17% of the price so buyers need only 3% down. It is not yet law or a funded program, and its final rates and terms are not set. We show it so you can plan ahead.
Not automatically. A plain 3%-down conventional loan still has PMI. The Prop 37 structure (an 80% first mortgage) may avoid conventional PMI, but that depends on the lender and mortgage insurer — it's not guaranteed. Always confirm with your lender.
No. HomeGrants is for education and awareness only. Program amounts and eligibility change often — confirm details with each program, and work with a licensed agent and lender for advice on your situation.