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Find Homeownership Incentives

Home Ownership Program (HOP)

First Time Homebuyers 3% Down First Mortgage Down Payment Assistance (DPA) Down Payment Assistance Closing Costs

Type Of Program

Down Payment & Closing Costs

Program distribution

Second Mortgage

Program Originator

Los Angeles County Development Authority




605-773-3181 or info@sdhda.org


Designed to meet the needs of low-income families, HOP provides loans of up to 20% of the purchase price for down payment and closing costs assistance not to exceed $75,000. Each loan is a second Trust Deed loan provided at 0% interest with all payments deferred until sale, transfer, refinancing, no longer owner-occupied, or full repayment of the first mortgage. HOP loans are available to first-time homebuyers in the unincorporated areas of Los Angeles County and cities participating in the Community Development Block Grant (CDBG) Urban County Program.
AMI Limit



Employer Participation Required


Must Earn Counseling Certificate


Eligibility Limitations

If you are first-time homebuyer and are interested in applying for the program, contact a HOP participating lender to get pre-qualified. Only a HOP participating lender can submit a HOP application on your behalf. HOP applications will be accepted on a first-come, first-served basis. L.A. County Median Income Guidelines - Effective April 1, 2021 80% COUNTY MEDIAN INCOME *Income not to exceed maximum amount per family size. No. of Persons in Household Income Limits 1 $66,250 2 $75,700 3 $85,150 4 $94,600 5 $102,200 6 $109,750 7 $117,350 8 $124,900

Cash Sale Permitted


Cosigner Permitted


Owner Financing Permitted


Must be Primary Residence


Program Provider's Contact Name

Program Provider's Address

Program Provider's Phone

Program Provider's Email