DPA programs for Roseville, Rocklin, Lincoln, Auburn, and surrounding Placer communities.
Placer County homebuyers, including those in Roseville, Rocklin, Lincoln, Auburn, and Granite Bay, qualify for the same statewide California DPA programs as Sacramento, plus a few region-specific options. Here are the programs I most often combine for Placer clients.
Up to 3.5% of purchase price as deferred second. Works with FHA, VA, USDA, Conventional. Income limits apply.
Grant of up to 5%, never repaid. Stack with FHA, VA, or Conventional. No first-time-buyer requirement. Especially valuable in Placer's higher-priced markets.
FHA-paired with forgivable or repayable second. Up to 5% in DPA. Great for buyers who plan to stay in the home 3+ years (then second becomes a grant).
CalHFA's Zero Interest Program, interest-free deferred second for closing costs. Often pairs with MyHome for combined down payment + closing cost help.
Mortgage Credit Certificate available for first-time buyers in Placer County. Federal income tax credit you receive every year you own the home.
0% down with no DPA needed in USDA-eligible areas (parts of Lincoln, Auburn, and rural Placer).
Income limits: Placer County income limits typically run higher than Sacramento County for CalHFA programs, around $240,000-$310,000 depending on program.
Maximum purchase price: Maximum purchase price for most programs in Placer County is approximately $1,000,000+.
Free 2-minute eligibility check across all Placer County County programs. No credit pull, no obligation.
Verify current guidelines, income limits, purchase price limits, and funding availability directly with the issuing agencies. Programs are real, but they have to be matched carefully to the buyer, property, county, income limits, and current funding availability.