Assist-to-Own is a program available to County of San Luis Obispo employees (permanent and temporary). This program is provided by Golden State Finance Authority (GFSA). Through this program, employees can apply for down payment and closing cost assistance to help with purchasing or refinancing a primary residence. Down payment is often one of the biggest hurdles for homebuyers in California. Take advantage of this program, which helps to make homebuying easier and more affordable. Assist to Own can provide up to 3.5% of the 1st Mortgage Loan Amount as a deferred 2nd Mortgage Loan amount. In addition, you may be eligible for an additional 2% of the 1st Mortgage Loan amount, in the form of a gift. Through Assist to Own, you can receive up to 5.5% of the 1st Mortgage Loam amount in down payment and closing cost assistance. 

Program Highlights

  • Down Payment and Closing Cost Assistance (DPA) up to 5.5% of the First Mortgage Loan amount
  • Homebuyer does not have to be a first-time homebuyer to qualify for this program
  • FICO Score requirements can be as low as 640
  • Eligible to be used on single-family 1-4 unit residences, condominiums, and townhouses
  • Compatible with a variety of Mortgage Loan options (FHA, VA, USDA, and Conventional Mortgage Loans)
  • Program can be utilized to purchase or refinance anywhere in California

Visit the County of San Luis Obispo, Assist-to-Own webpage here for more information and to begin searching for a lender! You can also view the recorded webinar from July 25, 2022 on the website. 

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Contact Information

Phone: (855) 740-8422

Email: [email protected]



07-25-22 Assist to Own Presentation
GFSA Assist to Own Flyer
GFSA Assist to Own Brochure