ReCoverCA Homebuyer Assistance

Flood Recovery up to $300,000 Available

If you are a renter and were impacted by 2023/24 flood disasters in California you may qualify for financial assistance to cover down payment and closing costs toward buying a home in safer areas.
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Homebuyers (First-time or Repeat Buyers)

Down Payment and Closing Cost Assistance

Purchase your primary residence in California with little or no money down, thanks to GSFA’s Down Payment Assistance Programs.
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Lenders and Real Estate Professionals

Lead the Way to Homeownership

Discover our resources to help you originate, process, and promote GSFA homeownership programs, while growing your business.
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Residential or Commercial Property Owners

Energy Programs

Explore a range of financial assistance programs designed to help you make energy efficiency upgrades, take advantage of energy storage incentives, and more.
Program Index

News and Happenings

Golden State Finance Authority

Lender Bulletins

  • New ReCoverCA HBA Program Funding Available November 10, 2025
  • Income Limits Updated for Conventional Loans under GSFA-Sponsored DPA Programs
  • Lender/Realtor Training

News Bulletins

  • Coming Soon: New ReCoverCA Homebuyer Assistance Funding

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Educational Events

Discover upcoming educational events and gain valuable insights from our outreach team, who provide support at workshops, seminars, homebuyer fairs, real estate meetings, and affordable housing conferences.

Public Meetings

Our Financial Assistance Programs

We believe that homeownership has the power to positively impact both local communities and economies. That's why we're dedicated to supporting affordable homeownership through a range of financial assistance programs designed for homebuyers and homeowners alike.

Down Payment Assistance

Not just for first-time homebuyers!

Our financial assistance programs are designed to help those looking to achieve homeownership by providing support for down payments and closing costs on the purchase or refinance of a primary residence in California.

Energy Storage Technology

The GSFA Advanced Rebate Program offers upfront funding to developers who install battery storage systems for medically vulnerable or low-income homeowners in California's high fire threat areas.

Energy Efficiency Financing

Energy efficiency improvements can boost property value, lower electricity costs, and enhance comfort. Explore our financing options to help commercial property owners invest in energy-efficient upgrades.

About Us

We are committed to offering the best homebuyer assistance programs by staying innovative and responsive to the needs of California homebuyers. We also prioritize supporting our lending partners with exceptional and professional service.

  • Industry-leading programs
  • A range of options tailored to individual needs
  • Flexible eligibility requirements
  • Simple process for both homebuyers and lenders
Join Our Lending Team
32
Supporting California Homebuyers
86600
Assisted to Purchase or Refinance
677
Down Payment or Closing Cost Assistance Provided
16
Loan financing of 1st and 2nd Mortgages

Testimonials

We could not believe this was happening. It is a dream come true. Ashton Floyd helped guide me all the way. Also Jorge Va. Look for places to live, get the money together, with their help, well it was done. I work hard to keep my credit score up. Good work history. Pay bills on time, prayer. My dream was to own a home. Never give up on that dream.

— Dorothy Cooper

Kern County, December 2022

GSFA Platinum Program

The reason I never bought a house before was due to the same barrier, money, the number one and biggest one of all. It was time for me to make the big jump and buy a house because I wanted to own a dog. Therefore, I needed a house with a yard. My mortgage person Dean Henderson was the best. He was the person who informed me of the program that helps with the down payment and when I received the money I was shocked and excited because I knew I would finally get my home.

— Teresa Aparicio

Los Angeles County, January 2022

GSFA Platinum Program

My daughter has 8 children and renting a home large neough and inexpensive has been a problem. Finding a home to fit 10 was the biggest obstacle and omething in our price range. The program was a dream come true. The down payment assisted us in buying the house with our limited funds.

— Sharon Valentine

Sacramento County, January 2022

GSFA OpenDoors Program

My husband and I always had a goal to purchase a house, but having two children limited our finances as we put ourselves through school. We were both working full time jobs, but were uanble to increase our savings. We became aware of the GSFA down payment assistance by our loan representative. We were ecstatic to hear about it as we were able to change our options and purchase a new home... an indescribably experience. It took over 20 years to purchase our home and it was all thanks to GSFA.

— Soralla Avila

Ventura County, June 2021

GSFA Platinum Program

Golden State Finance Authority

GSFA has been a trusted public entity and agency since 1993, delivering financial assistance programs to homebuyers and property owners across California.

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