Hayward sits at the center of the East Bay shoreline, where the San Mateo Bridge, I-880 and two BART stations meet, with Cal State East Bay looking down from the hills. We help Hayward buyers, homeowners and investors with FHA, VA, conventional and jumbo financing, refinances and equity lines. Down payment assistance is one of the most underused tools in the Hayward 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 Hayward: (916) 526-2700
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Hayward is one of the more affordable cities in Alameda County, so it draws first-time buyers who rely on high-balance FHA and low-down-payment conventional loans, along with multigenerational households and small investors. Prices climb quickly in the hills, where the gated Stonebrae community and view homes reach jumbo loan amounts. To use most assistance programs in Hayward, you must be a first-time buyer, meaning no ownership interest in a home in the past three years, occupy the home as your primary residence, complete a homebuyer education course and stay within the program's income limits for Alameda County.
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Housing includes 1950s ranch homes in Southgate, Fairway Park and the Tennyson area, older bungalows near downtown and the Jackson Triangle, newer townhomes and homes in the Cannery district and Mt. Eden, and custom and golf-course homes in the Hayward hills and Stonebrae. Assistance loans add a few steps to the closing, such as program approval and homebuyer education, and we manage all of them. Most Hayward purchases using CalHFA assistance close in about 30 to 35 days, and we set expectations with your agent and the seller from the start.
Assistance can often be combined with seller credits and lender credits, so an Hayward first-time buyer may bring very little to closing. We structure the offer with your agent so the seller's contribution covers what the program does not.
Pacific National Lending serves Hayward Hills, Stonebrae, Southgate, Fairway Park and the rest of Hayward for down payment assistance. Hayward is a little under two hours from our Gold River office, and we handle Hayward loans remotely.
Ready to talk about down payment assistance in Hayward? Call (916) 526-2700 or apply online in a few minutes. There is no credit pull at the first step and no obligation.
Apply HereLearn more about the program itself: Down Payment Assistance · All loan options · Purchase · Refinance · Today's rates
Area photo: "Hayward City Hall, May 2024" by Pi.1415926535, CC BY-SA 4.0.
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