Down Payment Assistance

Elite Mortgage and Financial Services works with all City and County Down Payment Assistance programs.

Access Program:

The Access Program combines a 30-year fixed interest rate FHA Mortgage Loan with downpayment and/or closing cost assistance. For more information please view the Access Program Flyer.


The California Homebuyer’s Downpayment Assistance Program (CHDAP) is a small silent second offered to certain eligible first time homebuyers through the California Housing Finance Agency (CalHFA). They offer up to 3% of the sales price for down payment and or closing costs in the form of a 3.25% rate 2nd lien. See our CHDAP Flyer. Here are some key CHDAP highlights: