Buying
Is there down payment assistance for Inland Empire buyers?
Quick answer
Yes. CalHFA's MyHome program offers up to 3.5 percent of the purchase price as a deferred, zero-interest loan for FHA buyers, and the Inland Empire Down Payment Assistance program can add up to $40,000 for eligible first-time buyers.
The full answer
More detail, straight from Julian Cesar
Yes. CalHFA's MyHome program offers up to 3.5 percent of the purchase price as a deferred, zero-interest loan for FHA buyers, or 3 percent for conventional loans, and its Zero Interest Program helps with closing costs. Locally, the Inland Empire Down Payment Assistance program offers eligible first-time buyers up to $40,000 as a zero-interest, deferred loan in San Bernardino and Riverside counties, and both counties run their own income-qualified programs. Funds are capped and some rounds are lottery-based, so timing and eligibility matter. Julian Cesar connects buyers with lenders who know which programs are open and how to combine them.
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More Buying questions
How much do I need for a down payment to buy a home in the Inland Empire?
Most Inland Empire buyers put 3 to 20 percent down, depending on the loan type. Conventional loans commonly start around 3 to 5 percent, FHA around 3.5 percent, and VA and USDA loans can go lower for qualified buyers.
Read the answer BuyingShould I get pre-approved before I start looking at homes?
Yes, pre-approval comes first. It sets your realistic price range and tells sellers you are a serious buyer from the very first tour.
Read the answer BuyingIs now a good time to buy a home in the Inland Empire?
The honest answer depends on your timeline, budget, and target area, not on a headline. A ZIP-level market report turns the question from guesswork into data.
Read the answerStill have a question?
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Julian Cesar
Licensed Agent, CA DRE #02015349