Low- and No-Down-Payment Options for Inland Empire Buyers

Some qualified homebuyers may be able to combine an eligible first mortgage with down payment assistance, resulting in financing that covers most or all of the required down payment. These programs are sometimes marketed as “100% financing,” but buyers may still need funds for closing costs, prepaid taxes and insurance, inspections, reserves, or expenses not covered by assistance or seller credits.

Available structures can include FHA financing paired with a repayable, deferred, forgivable, or amortizing second mortgage. Credit-score standards, automated-underwriting findings, debt-to-income limits, homebuyer counseling, income restrictions, property eligibility, occupancy rules, interest rates, fees, and subordinate-loan terms vary by provider and can change without notice.

FirstHome.us reviews currently available programs for buyers in Riverside County and San Bernardino County. A program description is not a commitment to lend, approval, or guarantee of zero cash needed. All financing is subject to underwriting, property approval, program availability, and complete documentation.

APA Mortgage is not affiliated with or acting on behalf of the FHA, VA, USDA, or any federal agency.

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