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Tuolumne County Assist-to-Own Down Payment Assistance Program

California route through Tuolumne County Human Resources and Golden State Finance Authority (GSFA). This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

Deferred second plus gift assistance Repay later on trigger 2026-04-20
Agency Tuolumne County Human Resources and Golden State Finance Authority (GSFA)
Support type Deferred second plus gift assistance
Amount highlight Current Tuolumne County and GSFA materials say eligible county employees can receive up to 5.5% of the first mortgage loan amount for down payment and closing costs. The primary layer is a 3.5% deferred second mortgage, and an additional gift layer of up to 2% may be available for a total of up to 5.5%.
Last verified 2026-04-20

Use carefully

Gift layer depends on current market conditions

This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.

The base 3.5% deferred second is clearly published. The extra gift layer can raise total assistance to 5.5%, but GSFA says that extra amount is subject to market conditions.

Decision-ready public facts

What stays free on this program page

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Amount

Current Tuolumne County and GSFA materials say eligible county employees can receive up to 5.5% of the first mortgage loan amount for down payment and closing costs. The primary layer is a 3.5% deferred second mortgage, and an additional gift layer of up to 2% may be available for a total of up to 5.5%.

Type

Deferred second plus gift assistance

Repayment

Current GSFA materials say the main Assist-to-Own layer is a 0% deferred second mortgage with no monthly payments, due upon sale or refinance of the first mortgage. The extra assistance layer is described as a gift of up to 2% and is published separately from the repayable deferred-second piece.

First-time buyer

Not required

Program guide

What to know before you click through

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

Who qualifies?

Tuolumne County employees

What support do you get?

Current Tuolumne County and GSFA materials say eligible county employees can receive up to 5.5% of the first mortgage loan amount for down payment and closing costs. The primary layer is a 3.5% deferred second mortgage, and an additional gift layer of up to 2% may be available for a total of up to 5.5%.

Do you repay it?

Current GSFA materials say the main Assist-to-Own layer is a 0% deferred second mortgage with no monthly payments, due upon sale or refinance of the first mortgage. The extra assistance layer is described as a gift of up to 2% and is published separately from the repayable deferred-second piece.

How do you apply?

Start with a GSFA participating lender, use an eligible FHA, VA, USDA, or conventional first mortgage, and verify employment with Tuolumne County as an eligible GSFA member county. Current GSFA materials say the home can be anywhere in California as long as it will be the buyer's primary residence.

Official source evidence

The current Tuolumne County flyer says county employees may qualify for down payment assistance up to 5.5%, with a 3.5% deferred second mortgage and an added gift of up to 2%. The current GSFA Platinum page also says Assist-to-Own is only for employees of GSFA member counties, explicitly includes Tuolumne, and requires a participating lender.

View official source

Last verified

2026-04-20

Effective date not captured.

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Comparison preview

Tuolumne County Assist-to-Own Down Payment Assistance Program

Amount: Current Tuolumne County and GSFA materials say eligible county employees can receive up to 5.5% of the first mortgage loan amount for down payment and closing costs. The primary layer is a 3.5% deferred second mortgage, and an additional gift layer of up to 2% may be available for a total of up to 5.5%.

Repayment: Current GSFA materials say the main Assist-to-Own layer is a 0% deferred second mortgage with no monthly payments, due upon sale or refinance of the first mortgage. The extra assistance layer is described as a gift of up to 2% and is published separately from the repayable deferred-second piece.

First-time buyer: Not required

Risk checks preview

What gets flagged before you call a lender

  • Tuolumne County Assist-to-Own Down Payment Assistance Program requires a participating lender.
  • Tuolumne County Assist-to-Own Down Payment Assistance Program must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Is your team approved to originate Tuolumne County Assist-to-Own Down Payment Assistance Program for this household and loan setup?
  • Which first-mortgage product must be paired with Tuolumne County Assist-to-Own Down Payment Assistance Program, and what breaks eligibility?

Action checklist preview

What you would do next

  • Review the official Tuolumne County employee benefits page for Tuolumne County Assist-to-Own Down Payment Assistance Program
  • Ask whether your lender is approved for this exact program and loan structure.
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1 tracked

city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

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