Napa is the county seat and the largest city in the Napa Valley, with a revived riverfront downtown, the Oxbow district and neighborhoods that run from Victorian Old Town to the vineyards of Coombsville. We help Napa buyers and homeowners with conventional, jumbo, second-home and investment financing. Down payment assistance in Napa 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 Napa: (916) 526-2700
Apply Here
Napa is a high-demand market where local wine and hospitality workers, Bay Area transplants and second-home buyers compete for limited inventory, and many purchases land in high-balance or jumbo territory. Second homes and rentals carry their own down payment and qualifying rules, and properties on the valley's edges can raise wildfire insurance questions that are best handled early. To use most assistance programs in Napa, 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 Napa County.
Get Pre-approved
Housing includes Victorians and bungalows in Old Town and Fuller Park, mid-century neighborhoods in Bel Aire and Alta Heights, larger homes in Browns Valley, golf-course homes and condos around Silverado, and vineyard estates in Coombsville. Down payment assistance in Napa 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 Napa 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 Napa, including Old Town Napa, Fuller Park, Browns Valley, Alta Heights, and across the Napa Valley. Napa is about an hour and fifteen minutes from our Gold River office via I-80 and Highway 12.
For down payment assistance in Napa, 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.