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Low Income Purchase Assistance (LIPA) Program

Quick answer

Low Income Purchase Assistance (LIPA) Program is a California down payment assistance program from Los Angeles Housing Department (LAHD). It provides Up to $161,000 as a deferred-payment 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.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast verified

Eligibility notes

0% interest deferred loan with shared appreciation; due on sale/transfer/refi or 30 years; 660 min FICO; 1% buyer contribution; 8-hour homebuyer education; City of LA properties only; 2026 income limits posted.

Where does Low Income Purchase Assistance (LIPA) Program apply?

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

DetailProgram terms
AssistanceUp to $161,000
TypeDeferred-payment loan
Minimum creditNot published on the program page
First-time buyerRequired
Income limits80% AMI

How does Low Income Purchase Assistance (LIPA) Program 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://housing.lacity.gov/housing/helping-low-income-first-time-homebuyers. 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 $161,000, according to Los Angeles Housing Department (LAHD).

It's a deferred loan — no monthly payments, repaid when you sell, refinance or pay off the first mortgage.

80% AMI

Sources

Data last updated October 25, 2026.

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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.