Modesto is the Stanislaus County seat and the hub of the central San Joaquin Valley, with tree-lined older neighborhoods, the master-planned Village One community and a strong agricultural economy. We help Modesto buyers, homeowners and investors with purchase loans, refinances and rental property financing. Down payment assistance in Modesto 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 Modesto: (916) 526-2700
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Modesto's affordability relative to the Bay Area and Sacramento draws first-time buyers, commuters and investors, and FHA, VA and conventional low-down-payment loans are all common here. Long-time homeowners frequently refinance or open HELOCs to fund improvements on older homes. To use most assistance programs in Modesto, 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 Stanislaus County.
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Housing ranges from 1920s to 50s homes in the College area and downtown to 1960s to 80s neighborhoods along McHenry Avenue, 1990s and 2000s subdivisions in Village One and northeast Modesto, and newer construction on the north and east edges of the city. Our process for Modesto buyers using assistance starts with a standard pre-approval, then a review of every program you qualify for. We show you the combined loan structure, the total monthly payment and the cash to close with and without assistance, so you can choose with clear numbers.
To find out which down payment assistance programs you qualify for in Modesto, 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.
Pacific National Lending serves Village One, College Area, Downtown Modesto, McHenry Avenue corridor and the rest of Modesto for down payment assistance. Modesto is about an hour and fifteen minutes from our Gold River office, and we handle Modesto loans by phone, email and e-signature.
For down payment assistance in Modesto, 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
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