CalHFA vsLIPA/MIPA
Navigate the complexities of California's down payment assistance programs. Compare CalHFA, LIPA, and MIPA to find the ideal solution for your homebuying journey.
CalHFA
California Housing Finance Agency programs
LIPA
Low Income Purchase Assistance
MIPA
Moderate Income Purchase Assistance
Bridging the Gap toHomeownership
At Equitable Lending, we know that coming up with a down payment can be one of the biggest hurdles to buying a home—especially for first-time buyers. That's why we work closely with clients to explore the most suitable assistance programs, including CalHFA, LIPA/MIPA, and other local and state-funded grants that can reduce or eliminate your upfront costs.
CalHFA
State-sponsored programs with flexible credit requirements
LIPA
Local incentive programs for specific communities
MIPA
Municipal assistance for moderate income buyers
Our Expert Assessment Includes:
Real SuccessStories
See how our down payment assistance programs have helped real families achieve their homeownership dreams.
Read more client reviews
"Thanks to CalHFA and Equitable Lending's expertise, we got into our dream home with just 3% down. The process was seamless and their team guided us through every step."
Maria Rodriguez
"As a teacher, the LIPA program was ideal for my situation. Equitable Lending helped me stack multiple assistance programs to cover my entire down payment."
David Thompson
"The MIPA program in our city was exactly what we needed. Equitable Lending's knowledge of local programs saved us thousands and made homeownership possible."
Jennifer & Mike Chen
"Equitable Lending made our dream of homeownership a reality. They guided us through every down payment assistance option available and helped us secure the ideal program for our situation."
Sarah & Michael Chen
Why Choose Our Assistance Program Guidance?
ProgramDetails
Compare the key features, benefits, and requirements of each down payment assistance program to find the perfect match for your homebuying needs.
CalHFA
California Housing Finance Agency
Key Features:
Ideal For:
Buyers with stable income, decent credit, but limited savings
LIPA
Local Incentive Program Assistance
Ideal For:
Buyers seeking local support and layered assistance options
MIPA
Municipal Incentive Program Assistance
Ideal For:
Moderate income buyers in specific municipal areas
Additional Grant & Assistance Programs
In addition to CalHFA and local incentives, we help our clients explore a wide range of state, nonprofit, and private DPA programs, including:
FHA Programs
Down Payment Assistance programs
Freddie Mac
BorrowSmart℠ programs
FHLB Grants
Federal Home Loan Bank grants
Veterans
Specific grants for service members
Which Program is Right for You?
Our mortgage advisors will assess your income & credit profile, location & profession, and purchase price & home type to match you with the most suitable program(s).
Get Your AssessmentYour Dream HomeAwaits
Down payment shouldn't stand between you and homeownership. At Equitable Lending, we'll walk you through the options, explain the fine print, and help you take full advantage of the support that's available.
Up to $75K
Available in assistance
Quick Process
Fast application & approval
Expert Guidance
Personalized program matching
Have questions? Our mortgage specialists are here to help.