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First-Time Home Buyer Programs

Looking to purchase your first home? The City of Garden Grove invites you to come join the Garden Grove family! The City of Garden Grove is offering the CalHOME Loan for eligible first-time home buyers. Qualifying families who are looking to purchase a home in Garden Grove can apply and utilize the funding for down-payment and/or closing cost assistance.

Program Requirements

Download Flyer
  • Have not owned a home within last three years
  • Attend the City's free First-Time Home Buyer Workshop (register below)
  • Pass the free certification exam
  • Home is located within Garden Grove
  • Owner must occupy the home
  • Must income-qualify (see chart below)
Household Size 1 2 3 4 5 6 7 8
Total Annual Household Income $75,900 $86,750 $97,600 $108,400 $117,100 $125,750 $134,450 $143,100

Income Limits are provided by the California Department of Housing and Community Development (HCD) and are subject to change without notice.

Program Details


  • Up to $60,000
  • 30-year deferred loan
  • 3% simple interest
  • GAP Financing
  • Minimum of 1% down payment

CalHOME Application (PDF)

Workshops Coming Soon

Workshops will be held virtually to adhere to social distancing requirements.
Workshops will be help from 9:00 am - 12:00 pm on the button above. A few days prior to each workshop, City Staff will send out a reminder email to everyone who has registered. Zoom links will be sent out automatically after you register, so please ensure you received the Zoom invitation after you have registered for the workshop.

Required Application Documents


  • Most Current W2's for 3 years
  • Most Current 30 days of pay stubs, must be consecutive
  • 3 years Personal Tax Returns (all pages, these are your 1040's)
  • 3 years Business Tax Returns (if you are self employed or own a business)
  • Most current benefit award letter (social security, pension, etc.) if you are retired
  • Most current retirement statement, if you are direct deposit, bank statement will suffice

Assets and ID

  • Most current 2 months bank statements (all pages) - review your deposit, if you have $500.00 and above and it's not payroll, please provide an explanation
  • 401K, IRA, CD's, 203B's, etc., 2 months of the most current statements, or if quarterly most current quarter (all pages)
  • Terms of withdrawal (if using money from retirement account such as 401K)
  • Copy of drivers' license or any government issued ID
  • Copy of resident alien and social security card if not US citizen

Miscellaneous Documents

  • VA loan - DD214
  • Child support order & divorce decree (all pages) or 3 months of bank statements
  • If you filed bankruptcy in the past 7 years, all pages of the bankruptcy documents including discharged
  • If you do not have 2 years of employment and are attending school, a copy of the diploma or transcripts

For further questions regarding these programs, please call one of the contacts below.

Timothy Throne
Program Specialist
City of Garden Grove
(714) 741-5144

Timothy Hurlbut
Branch Manager
Franklin Loan Center
(949) 231-0142