Concord is the largest city in Contra Costa County, with BART access, Todos Santos Plaza downtown and neighborhoods that stretch from Clayton Valley to the former Naval Weapons Station. We help Concord buyers and homeowners with jumbo, conventional, FHA and VA financing, refinances and equity lines. Down payment assistance is one of the most underused tools in the Concord market. Buyers assume they do not qualify or that the programs are too complicated, when in reality a first-time buyer with steady income and reasonable credit is often eligible for thousands of dollars in help.
Call Pacific National Lending for down payment assistance in Concord: (916) 526-2700
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Concord offers relative value compared to Walnut Creek and Lafayette, drawing first-time buyers, move-up families and Bay Area professionals who want a BART commute. Most purchases still require jumbo or high-balance conforming financing, and long-time owners frequently tap equity for remodels. For Concord buyers, CalHFA's MyHome Assistance Program provides a deferred-payment junior loan of up to 3.5 percent of the purchase price or appraised value on FHA loans (3 percent on conventional) for down payment or closing costs, with no monthly payment until the home is sold, refinanced or paid off. It pairs with CalHFA FHA, VA, USDA and conventional first mortgages.
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Housing is mostly 1950s to 70s ranch homes in neighborhoods like Dana Estates, Sun Terrace and Holbrook Heights, larger homes in Clayton Valley and Crystyl Ranch, and condos and townhomes near downtown and the BART stations. Down payment assistance in Concord works best with a lender who uses it regularly. We know the program guidelines, the documentation and the timing, which keeps the transaction smooth and protects your offer.
Repeat buyers in Concord are not always excluded. Some programs waive the first-time buyer requirement in targeted areas or for veterans, and gift funds from family can be used alongside assistance. We look at every angle.
We help borrowers with down payment assistance throughout Concord, including Downtown Concord, Clayton Valley, Dana Estates, Crystyl Ranch, and across the East Bay. Concord is about ninety minutes from our Gold River office, and our Concord clients work with us remotely from application to closing.
Call Pacific National Lending at (916) 526-2700 or start your application online. We will review your goals, explain your options in plain English and give you real numbers for down payment assistance in Concord.
Apply HereLearn more about the program itself: Down Payment Assistance · All loan options · Purchase · Refinance · Today's rates
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