Sunnyvale is a Silicon Valley city between Mountain View and Santa Clara, with a historic Murphy Avenue downtown, two Caltrain stations and quiet mid-century neighborhoods within a short commute of major technology campuses. We help Sunnyvale buyers and homeowners with jumbo purchase loans, condo and townhome financing, refinances and equity lines. Many Sunnyvale 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 Sunnyvale buyers use.
Call Pacific National Lending for down payment assistance in Sunnyvale: (916) 526-2700
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Sunnyvale's combination of good schools and short commutes keeps demand high, and well-priced homes regularly draw multiple offers from dual-income technology households. Jumbo financing is standard for single-family homes, restricted stock and bonus income must be documented properly, and the city's many townhome communities are a common first purchase. For Sunnyvale 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 1950s and 60s ranch homes in Cherry Chase, Ponderosa Park, Birdland and Raynor Park, mid-century Eichler homes in Fairbrae, older bungalows in the Heritage District near Murphy Avenue, the Lakewood Village neighborhood to the north, and newer townhomes and condos near downtown. Assistance loans add a few steps to the closing, such as program approval and homebuyer education, and we manage all of them. Most Sunnyvale 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 Sunnyvale 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 Cherry Chase, Birdland, Ponderosa Park, Fairbrae and the rest of Sunnyvale for down payment assistance. Sunnyvale is a little over two hours from our Gold River office, and we complete Sunnyvale loans remotely.
Ready to talk about down payment assistance in Sunnyvale? Call (916) 526-2700 or apply online in a few minutes. There is no credit pull at the first step and no obligation.
Apply HereLearn more about the program itself: Down Payment Assistance · All loan options · Purchase · Refinance · Today's rates
Area photo: "Historic Murphy Avenue, Sunnyvale (May 2025)" by The Sands of Time 0, CC BY-SA 4.0.
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