A true grant — no repayment, no second lien, no tax implications. Available on FHA loans in select California counties, including Orange County.
Many buyers can qualify for a home loan but struggle to cover the out-of-pocket costs at closing. This grant program was designed specifically to solve that problem — providing up to $10,000 in closing cost assistance to eligible buyers purchasing with an FHA loan in qualifying California counties.
Unlike a forgivable loan that requires a waiting period, this is a genuine grant. The funds are forgiven immediately at closing — there is no repayment requirement, ever. No second lien is placed on your property, and there are no tax implications.
The grant is layered onto an FHA purchase loan, which requires just 3.5% down. Together, these two programs can dramatically reduce the total cash you need to bring to the table on closing day.
The grant is available in select California counties covered by the program's Community Reinvestment Act (CRA) assessment areas. Orange County — Jason's primary market — is eligible, along with 12 other California counties.
You don't need to be a first-time homebuyer to qualify. This program is open to anyone purchasing a primary residence in an eligible county — with one important restriction: you cannot own other residential property at the time of closing.
Grant funds are applied toward your closing costs — not the down payment itself. Here's what they can be used for:
Title fees, escrow, underwriting, origination — the expenses that add up fast at the closing table.
Upfront property tax and homeowner's insurance deposits required at closing.
Use grant funds to buy down your interest rate and lower your monthly payment.
Cover the FHA upfront MIP premium, a 1.75% one-time fee required on all FHA loans.
Note: Grant funds are applied toward closing costs and cannot be used to cover the 3.5% FHA minimum down payment. The actual grant amount will depend on your total closing costs, up to a maximum of $10,000.
The grant program has straightforward eligibility requirements. Review the checklist below to see if you're a fit.
The grant is available to buyers purchasing in any of the following California counties. Orange County — including cities like Irvine, Anaheim, Huntington Beach, and Newport Beach — is fully eligible.
Program availability is subject to change. Contact Jason to verify current eligibility for your specific property address.
The grant is applied automatically at closing — there's no separate application. Here's how the process works.
Connect with Jason to confirm you and your target property are eligible for the grant program.
Apply for an FHA loan. Jason will structure your file to include the grant from the start.
Know exactly how much grant money you have toward closing before you make an offer.
At closing, grant funds are applied to your costs and immediately forgiven. No lien, no payback — ever.
Most lenders won't take the time to layer grant programs onto an FHA loan. Jason does — because he's a broker with access to these programs and the experience to structure them correctly.
Jason is based in Orange County and knows the local market, eligible areas, and which programs apply to the neighborhoods you're shopping in.
As an independent broker, Jason shops multiple lenders to find the best FHA rate for your situation, then layers the grant on top.
Licensed in California and 9 other states. NMLS #1368625. Arbor Financial Group. Transparent, compliant, experienced.
Jason walks you through every step — from confirming eligibility to structuring your loan so the grant is applied correctly at closing.
