Palo Alto is the birthplace of Silicon Valley, a leafy city next to Stanford University with a walkable University Avenue downtown and some of the most valuable residential streets in the country. We help Palo Alto buyers and homeowners with jumbo and super-jumbo purchase loans, refinances and equity financing. Down payment assistance in Palo Alto 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 Palo Alto: (916) 526-2700
Apply Here
Palo Alto purchases routinely require loan amounts well beyond ordinary jumbo limits, and buyers are often founders, executives, physicians and professors with stock-heavy compensation or substantial assets. Qualifying on restricted stock, business income or asset-based programs takes a broker with access to many jumbo lenders, which is exactly how we work. To use most assistance programs in Palo Alto, 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 Santa Clara County.
Get Pre-approved
Housing includes historic homes in Professorville, Old Palo Alto and Crescent Park, bungalows in College Terrace and Downtown North, mid-century Eichler homes in Greenmeadow and Midtown, and larger lots in Barron Park. Down payment assistance in Palo Alto 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.
Assistance can often be combined with seller credits and lender credits, so an Palo Alto 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 Old Palo Alto, Professorville, Crescent Park, Midtown and the rest of Palo Alto for down payment assistance. Palo Alto is a little over two hours from our Gold River office, and we handle Silicon Valley loans entirely by phone, email and e-signature.
For down payment assistance in Palo Alto, 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
Area photo: "University Avenue at Waverley Street, Palo Alto, California, April 24, 2020" by Brian Sterling, CC BY-SA 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.