Santa Clara County · Shared appreciation

Santa Clara Empower

17% of purchase price

17% of purchase price as DPA. Shared appreciation model for Silicon Valley buyers.

Sacramento's Empower DPA program helps buyers in the state capital region. Sacramento's housing market has appreciated dramatically as Bay Area remote workers have relocated to more affordable Central Valley communities. Empower helps long-time Sacramento residents compete against these higher-income transplants.

Amount17% of purchase price

TypeShared appreciation

Available inCalifornia

First-time buyer requiredYes

Minimum credit score660

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

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

California · DPA program

All California programs →

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