Shasta County Down Payment Assistance Program

What is the Down Payment Assistance Program?

Shasta County Housing and Community Action Programs provides 0% interest loans to qualified low-income, first-time home buyers to help with their down payment and closing costs.  

How much can you borrow?

The loan amount can be up to 40% of the purchase price.  At the maximum purchase price of $276,000, the DAP loan could be as much as $80,000.  The borrower must contribute at least 3% of the purchase price to the sale transaction. This may be a gift.

Who is eligible?

The program is available to first-time home buyers, who qualify under the following income guidelines.  Gross household income must be below these limits.

A first-time home buyer is someone who has not owned a home in the last 3 years, or who qualifies as a "displaced home-maker".

Household Size Annual Income Monthly Income
1 $39,800 $3,317
2 $45,450 $3,788
3 $51,150 $4,263
4 $56,800 $4,733
5 $61,350 $5,113
6 $65,900 $5,492
7 $70,450 $5,870
8 $75,000 $6,250

How do you apply?

  • Contact a mortgage lender to obtain a pre-qualification letter.
  • Visit the Department of Housing and Community Action Programs to place your name on the waiting list and pick up an application.
  • Return the completed application along with the requested documentation to our office.

For more information please contact:

Cathleen Fives
Housing & Community Program Specialist
1450 Court Street, Suite 108
Redding, CA 96001
Phone: 530-229-8308
Fax: 530-225-5178

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Download DAP Brochure