First-Time Homebuyers' Mortgage Assistance Program (MAP) (CA): Amount, Requirements & How to Apply

First-Time Homebuyers' Mortgage Assistance Program (MAP)

Quick answer

First-Time Homebuyers' Mortgage Assistance Program (MAP) is a California down payment assistance program from City of Fresno (Permanent Local Housing Allocation funds). It provides Up to $100,000 as a forgivable loan. It is aimed at first-time buyers. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

Eligibility notes

0% interest silent second, 15-year forgivable deferred payment loan; unforgiven balance due on sale/transfer/non-occupancy/cash-out refi; no ownership in last 3 years and no prior City homebuyer assistance; City of Fresno limits only (county islands ineligible); guidelines updated 2026.

Where does First-Time Homebuyers' Mortgage Assistance Program (MAP) apply?

This city-level program is available to buyers in Fresno. Cities on our site where it applies:

Down payment assistance in Fresno

Detail	Program terms
Assistance	Up to $100,000
Type	Forgivable loan
Minimum credit	Not published on the program page
First-time buyer	Required
Income limits	80% AMI

How does First-Time Homebuyers' Mortgage Assistance Program (MAP) work with an FHA loan?

California's 2026 FHA one-unit limits start at $541,287, which supports a price of about $560,000 with 3.5% down.

Where do I confirm current terms?

On the official page: https://www.fresno.gov/wp-content/uploads/2026/03/Updated-2025-PLHA-Mortgage-Assistance-Program-Guidelines-2026-10w1414.pdf. Programs can pause when funds run out, so confirm availability with a participating lender.

← All California down payment assistance programs

Frequently asked questions

Up to $100,000, according to City of Fresno (Permanent Local Housing Allocation funds).

It's a forgivable loan: forgiven if you meet the occupancy period, otherwise repaid.

80% AMI

Sources

Data last updated October 25, 2026.

Find a lender that offers First-Time Homebuyers' Mortgage Assistance Program (MAP)

Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.

Get My Matches

Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.