California · DPA program

GSFA Platinum

5.5% of loan amount — no first-time buyer requirement

Up to 5.5% of loan amount. Does NOT require first-time buyer status.

The Golden State Finance Authority provides DPA through its Platinum program, offering up to 5% of the loan amount. GSFA serves buyers across California with programs that work alongside FHA, VA, and conventional first mortgages. The assistance comes as a silent second mortgage or grant depending on the specific program selected.

Amount5.5% of loan amount — no first-time buyer requirement
TypeDPA program
Available inCalifornia
First-time buyer requiredNo
Minimum credit score620
Multi-unit eligibleSingle-family only

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down
Federal · Subsidized loan
VA Loan $0 down + no monthly mortgage insurance
Federal · Federal benefit
NACA Program $0 down + $0 closing + $0 PMI + below-market rate
National · Nonprofit program
California Dream For All $150,000
California · Shared appreciation
CalHFA MyHome 3.5% of purchase price as silent second
California · Deferred 0% loan
CalHFA Mortgage Credit Certificate ~$1,600/year tax credit on $400K mortgage
California · Annual tax credit
All California programs →

Get your free stacking strategy

We'll show you how to combine GSFA Platinum with other programs to maximize your free money — personalized to your ZIP code and income.

Or get matched with a lender who knows this program →
All California programs →