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SHRA provides homeownership opportunities within the City and County of Sacramento for low– to moderate income homebuyers. We have several programs available to help achieve the goal of homeownership. 

Down Payment Assistance Programs

These programs are deferred payment loans which provide assistance for down payment and closing costs. Maximum assistance and eligibility requirements are detailed in the program features. Click Here for more information. 

Mortgage Credit Certificate Programs

The MCC programs provide a tax credit to homebuyers to reduce the amount of Federal income tax the homebuyer pays which can make a home more affordable. Eligibility requirements are detailed in the program features. Click Here for more information. 

Approved Lender Information

SHRA homebuyer assistance programs are accessed through lenders who meet our lender requirements and are trained to offer our programs. Click Here for more information.