San Jose is the largest city in Northern California and the Santa Clara County seat, a collection of distinct neighborhoods spread across the valley floor from Willow Glen and the Rose Garden to Almaden Valley and Evergreen. We help San Jose buyers, homeowners and investors with conventional, high-balance, jumbo, FHA and VA financing, refinances and equity lines. Down payment assistance in San Jose 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 San Jose: (916) 526-2700
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San Jose has the widest range of prices in Silicon Valley, from condos and townhomes that fit high-balance conforming and FHA limits to jumbo purchases in Willow Glen, Almaden and Silver Creek. Buyers are typically technology workers with stock and bonus income, and long-time owners sitting on large equity often use HELOCs and cash-out refinances to remodel, add an ADU or help family buy. For San Jose 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.
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Housing includes 1920s and 30s homes in Willow Glen, the Rose Garden, Naglee Park and Japantown, 1950s to 70s ranch homes in Cambrian, Blossom Valley and Berryessa, larger homes in Almaden Valley, Evergreen and Silver Creek, and condos and high-rises downtown and near Santana Row. Our process for San Jose 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.
Assistance can often be combined with seller credits and lender credits, so an San Jose 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.
We help borrowers with down payment assistance throughout San Jose, including Willow Glen, Rose Garden, Almaden Valley, Evergreen, and across Silicon Valley. San Jose is a little over two hours from our Gold River office, and we handle San Jose loans by phone, email and e-signature.
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 San Jose.
Apply HereLearn more about the program itself: Down Payment Assistance · All loan options · Purchase · Refinance · Today's rates
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