Richmond wraps around thirty-two miles of San Francisco Bay shoreline in west Contra Costa County, with BART, a ferry to San Francisco and neighborhoods as different as historic Point Richmond and the waterfront homes of Marina Bay. We help Richmond buyers, homeowners and investors with FHA, VA, conventional and jumbo financing. Many Richmond 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 Richmond buyers use.
Call Pacific National Lending for down payment assistance in Richmond: (916) 526-2700
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Richmond remains one of the most affordable places to buy near the center of the Bay Area, so it draws first-time buyers using FHA and low-down-payment conventional loans, along with investors buying two-to-four-unit properties. Many homes date from the 1920s through the 1940s, which makes property condition, appraisal repairs and renovation-friendly financing common topics. Beyond CalHFA, Richmond buyers may have access to local programs through the county, the city or housing agencies, plus lender-funded grants and employer assistance. Programs open and close as funding changes, so we check availability at the time you are ready to buy.
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Housing includes early-1900s homes in Point Richmond, 1920s to 40s bungalows in the North and East neighborhood and the Richmond Annex, condos and townhomes at Marina Bay and Brickyard Cove, and 1970s and 80s homes around Hilltop. Down payment assistance in Richmond 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 Richmond 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.
Our down payment assistance clients in Richmond come from Point Richmond, Marina Bay, Richmond Annex, North and East and every other part of west Contra Costa County. Richmond is about an hour and a half from our Gold River office via I-80.
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 Richmond.
Apply HereLearn more about the program itself: Down Payment Assistance · All loan options · Purchase · Refinance · Today's rates
Area photo: "Point Richmond houses (4589842386)" by nick fullerton, CC BY 2.0.
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