Inland Empire Down Payment Assistance (Riverside & San Bernardino)

The Inland Empire has some of Southern California's most attainable prices, and several county and city programs help first-time buyers in Riverside and San Bernardino Counties with down payment and closing costs — commonly up to around $40,000, depending on the program and your income.

How it works

These are typically deferred or partially forgivable second loans layered on an FHA or conventional first mortgage. Availability and amounts vary by city/county and by funding cycle, so the right program depends on exactly where you're buying. We match you to the ones you qualify for.

Who qualifies

• First-time homebuyer (most programs)
• Household income within the program's county limits
• Purchase within the participating city/county area
• Complete homebuyer education
• Owner-occupied primary residence

Frequently asked questions

Which cities in the Inland Empire have assistance programs?

Availability shifts by funding cycle, but various Riverside and San Bernardino County programs (and individual cities) offer help. Tell us your target city and we'll check what's open.

Can I combine Inland Empire DPA with statewide programs?

Sometimes. Layering rules depend on the specific programs and your first mortgage. We'll review whether a regional program can stack with CalHFA or GSFA options.

Other assistance programs

Program terms, dollar amounts, income limits, and funding availability change frequently and are set by the administering agency — not by USA Mortgage Solutions. This page is general information only, not a commitment to lend or a guarantee of eligibility. Confirm current details with a loan officer. Equal Housing Lender.