Folsom is fifteen minutes up Highway 50 from our Gold River office, and its combination of Folsom Lake, strong schools and major employers like Intel keeps demand high. We finance purchases and refinances throughout Folsom, including the new Folsom Ranch neighborhoods south of the freeway. Down payment assistance in Folsom can cover a large share of the cash needed to buy a home, and Pacific National Lending helps buyers find and use the programs they qualify for. From CalHFA's statewide MyHome assistance to county and city programs, we layer assistance with FHA, VA or conventional financing to reduce cash to close.
Call Pacific National Lending for down payment assistance in Folsom: (916) 526-2700
Apply Here
Folsom is a competitive, higher-priced market where many purchases push into jumbo territory and sellers expect a strong pre-approval before they take an offer seriously. Move-up buyers, relocating tech and healthcare professionals and long-time owners tapping equity are the borrowers we see most. For Folsom 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.
Get Pre-approved
Housing runs from 1980s and 90s neighborhoods in Broadstone, Empire Ranch and Lexington Hills to historic homes near Sutter Street and brand-new construction in Folsom Ranch south of Highway 50. Down payment assistance in Folsom 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.
To find out which down payment assistance programs you qualify for in Folsom, call (916) 526-2700 or apply online. We will check eligibility, explain the terms and build a plan around them. No credit pull at the first step.
Our down payment assistance clients in Folsom come from Empire Ranch, Broadstone, Folsom Ranch, Historic Folsom and every other part of the Highway 50 corridor. Folsom is a short drive from our office, and in-person meetings are easy to arrange.
For down payment assistance in Folsom, call Pacific National Lending at (916) 526-2700 or use the secure application on this page. A licensed loan officer will follow up within one business day.
Apply HereLearn more about the program itself: Down Payment Assistance · All loan options · Purchase · Refinance · Today's rates
© 2026, Pacific National Lending, all rights reserved. Created and managed by 1 Stop Link. Images & icons used on the website are either original, free or purchased on pexels.com, unsplash.com, vecteezy.com, fontawesome.com or other platforms. The display of logos, seals and emblems is not meant to show affiliation between us and their owners. This use falls under the fair use category of copyright protected images.