Pacifica stretches along six miles of Highway 1 coastline just south of San Francisco, a string of beach and valley neighborhoods backed by green coastal hills. We help Pacifica buyers and homeowners with conventional and jumbo purchase loans, refinances and equity lines. Many Pacifica buyers have the income to afford a monthly mortgage payment but not the savings for a down payment and closing costs. Down payment assistance programs exist for exactly that gap, and Pacific National Lending works with CalHFA-participating lenders on the programs most Pacifica buyers use.
Call Pacific National Lending for down payment assistance in Pacifica: (916) 526-2700
Apply Here
Pacifica appeals to buyers who want ocean air and trails within a twenty-minute drive of San Francisco, and it remains a relative value for the Peninsula even though most purchases reach jumbo loan amounts. Coastal conditions matter here: salt-air wear shows up in appraisals, and blufftop and hillside properties can bring additional insurance and geotechnical questions. For Pacifica 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 is mostly 1950s and 60s ranch and split-level homes in Linda Mar, Park Pacifica, Fairmont and Pacific Manor, with beach cottages and custom homes in Pedro Point, Rockaway Beach, Vallemar and Sharp Park. Assistance loans add a few steps to the closing, such as program approval and homebuyer education, and we manage all of them. Most Pacifica 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 Pacifica 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.
Our down payment assistance clients in Pacifica come from Linda Mar, Pedro Point, Rockaway Beach, Vallemar and every other part of the San Mateo County coast. Pacifica is a little over two hours from our Gold River office, and we complete Pacifica loans remotely.
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 Pacifica.
Apply HereLearn more about the program itself: Down Payment Assistance · All loan options · Purchase · Refinance · Today's rates
Area photo: "Overlooking Paradise" by John Loo, CC BY 2.0.
© 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.