Forgivable Grant Programs
Holiday Mortgage (Youngs Real Estate, Inc.) • California • By Appointment Only
Program navigation:
VA
FHA
Conventional (FNMA/FHLMC)
USDA
Down Payment Assistance
Forgivable Grants
CalHFA
CalVET
Jumbo / Super Jumbo
SBA
Agricultural
Commercial
Hard Money
DSCR
Apartment Complex
Manufactured Homes
Quick list: VA • FHA • Conventional (FNMA/FHLMC) • USDA • Down Payment Assistance • Forgivable Grants • CalHFA • CalVET • Jumbo / Super Jumbo • SBA • Agricultural • Commercial • Hard Money • DSCR • Apartment Complex • Manufactured Homes
At a glance
- Best for: eligible buyers where a grant is available with forgiveness terms.
- Availability: funding windows and rules vary.
- Structure: often a second lien forgiven over time (varies).
Reminder: Guidelines vary by lender and scenario. This page is general information only and is not a commitment to lend.
Basic qualifications (typical)
- Meet program-specific eligibility (income/occupancy/purchase rules).
- Complete education/counseling if required.
- Meet first-mortgage guidelines and underwriting requirements.
Property types that may work
- Owner-occupied primary residences (most common)
- Property limitations vary by provider
Typical documentation checklist
- Photo ID
- Income documentation (paystubs, W-2s, tax returns depending on income type)
- Asset documentation (bank statements; source of funds for down payment/closing costs)
- Property documentation (purchase contract if buying; insurance quote)
- Credit authorization and explanations if needed
- Program-specific items (below)
Tip: For privacy and security, do not email SSNs or sensitive document images. Use a secure portal for sensitive info.
Program-specific documents / notes
- Grant forms and disclosures (provider-specific).
- Compliance documentation (occupancy/use of funds).
- Understand forgiveness timeline and triggers for repayment.
Questions? Call (530) 238-5739 or email [email protected].
© Holiday Mortgage / Youngs Real Estate, Inc. • Privacy • Disclosures