City of Palo Alto Planning & Development Services
Palo Alto First-Time Homebuyer Loan Program is available to homeowners in Palo Alto, CA.
Provides down payment and closing cost assistance to first-time homebuyers purchasing in Palo Alto. Silent second loan with no monthly payments; repaid when home is sold, refinanced, or transferred.
Deferred payment loan, no monthly payment, due on sale or refinance
Data last verified 2026-06-09. How we verify our data.
In Palo Alto, CA, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in Palo Alto, CA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.
Documents you will likely need
Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Applications accepted when funds available
Ask us. It is free, and a real person answers within a business day.
Email us about this programDown payment assistance loan up to $150,000.
Palo Alto First-Time Homebuyer Loan Program is open to homeowners in Palo Alto, CA.
Apply directly with City of Palo Alto Planning & Development Services using the official program link on this page or call (650) 329-2442. There is no middleman and no fee.
Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
Rebates and discounts that stack on top of any grant. Most are free to use.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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