Skip to content
Purchase Mortgage Loan
Get Pre-Approved

First-time home buyer programs in East Los Angeles, CA

Quick answer

First-time buyers in East Los Angeles, CA can use 3%-down conventional loans (up to the $1,249,125 Los Angeles County conforming limit), 3.5%-down FHA, or VA and USDA where eligible, plus 1 verified city, county or statewide assistance program. On the $613,600 median home, 3% down is about $18,408 and the estimated payment is $4,780/month at 7.18%.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $68,378; value-to-income ratio 8.97. East Los Angeles ranks 283 by home value and 56 by population among 502 places in our CA dataset.

What does a first-time buyer loan cost on a typical East Los Angeles home?

ItemEast Los Angeles
Median home value (Census ACS)$613,600
California median home value$695,400
Down payment (3%)$18,408
Loan amount$595,192
Estimated monthly payment (PITI + MI)$4,780
Income needed (28% / 36%)$205,000 / $160,000
Los Angeles County 2026 conforming limit (1 unit)$1,249,125
Max purchase price at the limit$1,287,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes California's 0.71% effective property tax rate (Census ACS), $1,655/yr homeowners insurance (NAIC state average) and an estimated 0.5% PMI.

What is the 2026 conforming loan limit in East Los Angeles?

East Los Angeles is in Los Angeles County. Conventional 3%-down loans go up to the $1,249,125 conforming limit (price ≈ $1,287,000); FHA loans go up to $1,249,125.

The East Los Angeles median home value of $613,600 is 12% below the California median, and within what the county limit supports.

Which down payment assistance programs can East Los Angeles buyers use?

First-time buyer loans in nearby cities

Monterey ParkCommerceMaywoodMontebelloBellAlhambra

First-time buyer loan FAQs for East Los Angeles

On the $613,600 median: 3% conventional ≈ $18,408, 3.5% FHA ≈ $21,476, and 0% for eligible VA or USDA buyers. Conventional loans above $1,249,125 in Los Angeles County become jumbo loans.

At the $613,600 median value (below the California median of $695,400), the estimated payment of $4,780/month at 7.18% needs about $205,000 a year under the 28% housing guideline, or $160,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 1 statewide programs are verified for this city (1 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

Get matched with First-time buyer lenders in East Los Angeles

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.