Homebuyer Programs in Butte County for First-Time and Existing Homeowners

Deciding to purchase a home is an immense undertaking, and it’s natural for first-time home buyers to feel overwhelmed. Not only that, but current homeowners also need help with the rising cost. Fortunately, Butte County understands the challenges of taking this financial step. Here is a list of some Homebuyer Programs in Butte County to help you realize your dream of homeownership.

5 Homebuyer Programs in Butte County To Consider

1. Butte County Down Payment Assistance

Are you looking to purchase a home in Butte County, California, with no down payment? Look no further than Zero Down California! This incredible program allows eligible residents of this County to fulfill their dream of homeownership with no up-front costs. With this program, there is no maximum income restriction, so you can have the stability of owning a home. Now be the owner instead of the renter by making your first steps towards homeownership with Zero Down California.

2. Home Buyer’s Assistance

You’re lucky if you’re looking to buy a home in Butte County, California! The County participates in the Golden State Finance Authority (GSFA) Homebuyer Assistance Program. Whether you’re seeking a house in one of the County’s unincorporated areas or a location within the incorporated cities or towns, GSFA can help you out.

The GSFA Homebuyer Assistance Program offers a variety of options to make the home-buying process more manageable and less stressful. GSFA is not limited to just first-time home buyers. These include down payment assistance to funding multi-family. With these services, you can enjoy a smoother closing and lower financial burden. Contact them today, and get closer to owning your dream home! If you are looking for a place in the incorporated cities or towns, you can directly contact the city or town to know about the local jurisdiction.

3. Housing Rehabilitation Loan Program

Butte County’s Housing Rehabilitation Loan Program is an excellent way for low to moderate-income residents to get the home improvements and repairs they need. Loans are available with low to no interest and a 30-year deferred payment plan. Home improvements include health and safety repairs, energy and water conservation updates, interior and exterior repairs, and replacements of worn or damaged items like flooring, windows, cabinets, counters, and fixtures. This program makes it easy and affordable for those with limited incomes to get the home repairs and improvements they need to make their home safe and comfortable.

Contact: (530) 777-3452 /Habitat For Humanity/ mail: homerepair@yubasutterhabitat.org

4. FHA, VA, and USDA

There are programs that you can take advantage of with government loans. The government loan limits depend on your income and the loan type. For instance, the USDA loans are most of Butte County eligible, whereas Oroville is ineligible. Oroville in Butte County has rules for first-time home buyers; click here to learn more. If you’re interested in learning more about FHA, VA, and USDA loans of Butte County, click here.

Call: 877-432-5626 to know more.

5. CalHFA USDA

The CalHFA USDA Program is a USDA Guaranteed first mortgage loan program. Borrowers must complete an online homebuyer education course and meet income eligibility requirements. Click here to learn more about California’s First Time Home Buyer Programs.

Butte County is committed to providing resources to simplify the home-buying process. The County offers a variety of homebuyer assistance programs that can help you find the perfect property. Whether you are a first-time homebuyer, looking to downsize, or interested in purchasing a vacation home, there is a homebuyer assistance program that can benefit you. With the help of a knowledgeable realtor, you can learn more about the details of the programs and find out for which ones you qualify.

Contact us to learn more about the various homebuyer programs available in Butte County and to find the perfect property.

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