Modesto Homebuyer Assistance Program (HAP)

Updated: 9/28/17 - The Homebuyer Assistance Program provides assistance to eligible first-time home buyers in the form of low interest loans.  Assistance is provided in the form of "gap" financing.

​Program Requirements and Guidelines

• Borrower(s) shall have incomes at or below 80 percent of the Stanislaus County Area Median Income , adjusted for household size, as published annually by the US Department of Housing and Urban Development.
• Borrower(s) must acquire a private market first mortgage.
• Gap financing shall not exceed 60,000. Up to 5 percent of the assistance provided may be used to pay non-recurring closing costs.

More Assistance Options

If funds are no longer available, or you are unable to meet the qualifications for this assistance program, there are other options that may be available to you.

California home buyers should also explore Mortgage Credit Certificates, CRA Programs, Lender/Agent Credits or other creative down payment and closing cost assistance options.