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Pros and Cons for a Fast Sale

California Homebuyer Assistance Programs

Home sellers in California should be aware of the various homebuyer assistance programs available in the state. These programs aim to make homeownership more accessible to a broader range of buyers. Here’s an overview of these programs and how sellers can market their homes to qualify for such assistance. Click here

California Homebuyer Assistance Programs

CalHFA (California Housing Finance Agency) Programs: CalHFA offers various programs, including low down payment options, down payment assistance, and closing cost assistance. Sellers can market their homes to potential buyers who may benefit from these programs by highlighting that their property is eligible for CalHFA financing.

CalPLUS with ZIP Extra: This program provides a grant for closing costs and a deferred-payment second mortgage to assist with the down payment. Sellers can advertise that their home qualifies for CalPLUS with ZIP Extra to attract buyers seeking financial assistance.

MCC (Mortgage Credit Certificate): The MCC program helps first-time homebuyers by reducing their federal income tax liability. Sellers can inform potential buyers about the potential tax benefits of owning a home with an MCC.

Local and County Programs: Many counties and local governments in California offer their own homebuyer assistance programs. Sellers should research and promote any local programs that apply to their property’s location.

Marketing Strategies for Sellers

Highlight Eligibility: In property listings and marketing materials, emphasize that your home is eligible for various homebuyer assistance programs. Mention specific programs like CalHFA or local options to attract potential buyers’ attention.

Provide Program Information: Share brochures, websites, or contact information for relevant assistance programs with prospective buyers. Ensure they have access to resources for exploring their options.

Work with Realtors Experienced in Homebuyer Assistance: Collaborate with real estate agents who have experience with homebuyer assistance programs. They can guide buyers and effectively market your property.

Offer Flexibility: Be open to negotiations regarding closing costs or repairs. This flexibility can make your property more appealing to buyers who need financial assistance.

Be Transparent: Disclose any information about your property that might affect its eligibility for assistance programs, such as necessary repairs or renovations.


California homebuyer assistance programs can significantly benefit potential buyers, making homeownership more attainable. Sellers should take advantage of these programs by marketing their properties as eligible for various assistance options. By doing so, sellers can attract a broader pool of buyers and potentially sell their homes more quickly. Learn more here