Shasta County Down Payment Assistance Program

What is the Down Payment Assistance Program?

Shasta County Housing and Community Action Programs provides 3% interest loans to qualified low-income, first-time home buyers to help with their down payment and closing costs. The program is available in the unincorporated area of Shasta County. 1.5% available to qualified disaster victims.  

How much can you borrow?

The loan amount can be up to 40% of the purchase price.  At the maximum purchase price of $246,000, 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 $39,150 $3,263
2 $44,750 $3,729
3 $50,350 $4,196
4 $55,900 $4,658
5 $60,400 $5,033
6 $64,850 $5,404
7 $69,350 $5,779
8 $73,800 $6,150

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
E-mail: cfives@co.shasta.ca.us

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Download DAP Brochure