Mayor's Office

Homebuyer Resources

Homebuyer Resources

The Dyer Administration believes everyone should have a safe and affordable place to call home. The Office of Community Affairs is proud to provide Fresnan’s with resources to assist them in their rental or first-time homebuying experience.

For each program listed here, the City of Fresno’s commitment is to support and amplify our partner’s outreach efforts through the Office of Community Affairs with the objective of increasing the number of sign-ups for the homebuyer workshops.

While these specific partnerships aim to increase homeownership rates among African Americans and Latinos, most open to all!

Bank of America provides up to $17,500 in down payment and closing costs to help homebuyers

Down Payment Grant program helps buyers overcome the biggest barrier to homeownership – down payment. In the Fresno area, eligible buyers can receive 3% of the home’s purchase price up to $10,000, whichever is less, to be used toward their down payment. No repayment is required.

America’s Home Grant® program offers a lender credit of up to $7,500 that can be used towards non-recurring closing costs, like title insurance and recording fees, or to permanently buy down the interest rate. The funds do not require repayment and can be combined with funds from the Down Payment grant program listed above.

To learn more:
Visit the Bank of America Community Homeownership Commitment Program, here.


Attention all interested 1st-time homebuyers you can receive up to $22,000 in down-payment assistance.

Homeownership rates for both Latino and African American households lag significantly behind those of White and Asian households in the Fresno area. According to data updated in March 2021 by Race, the homeownership rate for white families reached nearly 60% whereas only 37% of Latino families own their homes. African American families are the least likely to own their own homes at 24.9%. Considering this, the city of Fresno is proud to announce homebuyer education and down-payment assistance programs with the Realtist of Fresno County and the National Association of Hispanic Real Estate Professionals (NAHREP) of Fresno.

To learn more, contact:
NAHREP Fresno (Ask to speak to the NAHREP representative)
Tel (559) 372-2823


First-time homebuyer workshops
FresnoCONNECT is a partnership of Realtist of Fresno County, FHLBank San Francisco, Union Bank, and Habitat for Humanity Greater Fresno Area. FresnoCONNECT hosts First-time homebuyer workshops. You can learn about upcoming workshops here: These workshops are a prerequisite to apply for down-payment assistance through FHLBank.

To learn more, contact:
Lionel Akpovi, The Fresno Realtist
Tel (559) 860-9016

Llaves de tu Casa downpayment assistance program for Latino homebuyers
Llaves de tu Casa is a partnership of the National Association of Hispanic Real Estate Professionals (NAHREP) of Fresno, FHLBank San Francisco, Union Bank, Homebridge, and Self-Help Enterprises.

The Llaves De Tu Casa provides down payment and closing cost assistance, home buyer grants, comprehensive home buyer education and counseling including first-time home buyer workshops and flexible mortgage products and programs for Fresno neighborhoods.

NAHREP Realtors will host online workshops providing resources to prospective homebuyers to identify potential homes. Union Bank will offer mortgages and grants to buyers in targeted areas. Self-Help Enterprises will also offer technical assistance to help prospective purchasers with payment and closing cost assistance.

Upcoming workshops will be held on:
Saturday, February 26
Saturday, March 26
Saturday, April 30

To register for an upcoming workshop, visit:
Llaves de tu Casa workshops


WISH First-time homebuyer program
FHLBank San Francisco is partnering with its member Union Bank on the WISH Program, designed to provide grants of up to $22,000 for down payment and closing costs to qualified applicants earning up to 80% of AMI (about $55,750 for a family of four).

FHLBank has been distributing WISH down payment grants since 2000 through member banks in California, Nevada, and Arizona. The current allocation of $11,000,000 was announced on April 14, 2021. The program is competitive in the sense that the grants are distributed on a first come, first-serve basis. The more Fresnans that apply early, the more dollars that will eventually go to first-time home purchases in our city and county.

The WISH program is a 4-to-1 matching grant of up to $22,000; together with the homebuyer’s commitment of $5,500, the grants can provide a down payment of up to $27,500. The matching dollars do not need to be paid back if the homeowner stays in the home for at least five years.

The recipient must be a first-time homebuyer and must be at or below 80% of the HUD area median income limits. The mortgage product must be a conventional 30-year, fixed-rate loan including loans from the Federal Housing Administration, HomeReady Mortgage, and the Veterans Administration. The program is administered in the Fresno area by FHLB member Union Bank.

For more information on the WISH program, contact:
Lionel Akpovi, The Fresno Realtist
Tel (559) 860-9016

NAHREP Fresno (Ask to speak to the NAHREP representative)
Tel (559) 372-2823


California Mortgage Relief Program –

If you are falling behind on your housing payments… you’re not alone. Help is here for California homeowners. The California Mortgage Relief Program started during the COVID-19 pandemic, and uses funds from the 2021 American Rescue Plan Act’s Homeowners Assistance Fund. It helps homeowners with past-due payments. The state is now raising the income limit to qualify. The relief money can also be used to help pay past-due property taxes. People can receive a maximum of $80,000. Applicants must meet all of the following requirements to apply:

  • Own, or reside in a single-family home, condo or permanently affixed manufactured home (housing unit) in California
  • Be behind on at least two mortgage payments before the end of 2021
  • Faced a COVID-19 pandemic-related financial hardship after Jan. 21, 2020
  • Make 150% or less of Fresno County’s median income

Applicants must also meet at least one of the following requirements.

  • Receive public assistance
  • More than 40% of income goes to housing costs
  • Have no alternative workout option through mortgage servicer

Individuals can apply at Any additional questions can be answered by U.S. Housing and Urban Development-certified housing counselors at 1-800-569-4287. The California Mortgage Relief Program can be reached at 1-888-840-2594. For emails, homeowners can expect a response within three business days at