Department of Housing & Human Services

Down Payment Assistance & Homeownership Education

First-time homebuyer and looking into making your dream a reality?

Mortgage Credit Certificate (MCC) Program entitles qualified homebuyers to reduce the amount of their federal income tax liability by an amount equal to a portion of the interest paid during the year on a home mortgage. This tax credit allows the buyer to qualify more easily for a loan by increasing the effective income of the buyer. For more information on this program, please visit

Sold House

The following agencies provide Homeownership Education workshops to explain the basics of the home-buying process, including credit repair, realtors, down payment assistance, financial planning, title reports, escrow and home maintenance.

Fair Housing Council of Riverside County: (800) 655-1812.

Neighborhood Partnership Housing Services, Inc. (NPHS): (909) 988-5979 1-800-431-8157

Neighborhood Housing Services of the Inland Empire (NHSIE) (909) 884-6891

Golden State Finance Authority (GSFA) (855) 740-8422

California Housing Finance Agency (CalHFA) (877) 922-5432