ASSISTANCE FOR FIRST-TIME HOMEBUYERS.

¹ To be eligible for this loan you must meet CalHFA income and credit requirements.

² The MyHome Down Payment Assistance Program is available only to first-time homebuyers. A first-time homebuyer is defined as someone who has not owned and occupied their home in the last three years, and who has not lived in a home owned by a spouse in the past three years. All homebuyers must meet CalHFA borrower and property eligibility requirements including income and credit requirements.

All loans subject to approval. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and property conditions. 

All homebuyers must meet CalHFA borrower and property eligibility requirements including income and credit requirements.

All homebuyers must be first-time homebuyers. A first-time homebuyer is defined as someone who has not owned and occupied their home in the last three years, and who has not lived in a home owned by a spouse in the past three years.

All loans subject to approval. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and property conditions. 

¹To be eligible for this loan you must meet credit requirements and have an income at or below 80% of the Annual Median Income (AMI). If all occupying borrowers have not owned a home in the past three years, at least one borrower on the home loan will need to complete a homebuyer education course. A first-time homebuyer is a person who has not have ownership interest in a residential property in the last three years.

²Golden 1 Credit Union is not part of any government agency, nor do we represent or have the endorsement of HUD, FHA, the U.S. Government, or any federal, state, or local government agency.

¹Restricted to households at or below 80% of Area Median Income (AMI). Grants may match a homebuyer's down payment contribution 4-to-1 for a maximum grant of $32,099. For example: A $30,000 grant would require a $7,500 contribution from the homebuyer. Participants must be first-time homebuyers and complete a Housing and Urban Development approved first-time homebuyer counseling program. First-time homebuyer means you did not have ownership interest in a residential property in the last three years. Funds are available annually on a first-come, first served basis. Maximum grant stated is for 2025 and is subject to change annually. Additional restrictions may apply.

²Must be first-time homebuyers and meet CalHFA income requirements. To be considered a first-time homebuyer means you did not have ownership interest in a residential property in the last three years.

³No payments are required for the MyHome Assistance Program loan until the home is sold, refinanced or paid off in full.

*To be considered a first-time homebuyer means you did not have ownership interest in a residential property in the last three years.

¹To be eligible for a closing cost credit of up to $2,500, you must be a Golden 1 member for at least 90 days at the time of final loan approval and have an income at or below 100% of the Area Median Income (AMI) or 120% in high-cost areas. To qualify for the maximum closing cost credit of up to $5,000, you must be a Golden 1 member for at least 90 days at the time of final loan approval and have an income at or below 100% of the AMI or 120% in high-cost areas, plus have direct deposit or Golden 1 Bill Pay Service from a Golden 1 deposit account, or make 5+ transactions per month to a Golden 1 deposit account in the most recent month prior to closing.

²The Golden 1 Home Loan Buyer Advantage program (the “Program”) is made available to our members through relationships with third party real estate agents. Golden 1 does not endorse or guarantee the products, information, or recommendations provided by third-party vendors or third-party linked sites. Agent credits are awarded to homebuyers and sellers who select and use a real estate agent in the Program network. Homebuyers or sellers are not eligible for credits if they use an agent outside this network. Using Golden 1 Credit Union for a mortgage is not a requirement to earn credits. Credit amounts are dependent on the commissions paid to the agent. Certain property and product limitations may apply, and your mortgage lender may have specific rules or restrictions on how your credits will be paid. Credit incentives are void where prohibited by law. The Program is subject to change. Buyer Advantage Program member real estate agents may not be available in all locations. Use of the program is not a requirement to obtain a mortgage from Golden 1 Credit Union.
Please contact a Golden 1 Credit Union Home Loan Advisor for more information.

³Must be first-time homebuyers and meet CalHFA income requirements. To be considered a first-time homebuyer means you did not have ownership interest in a residential property in the last three years.