The Permanent Local Housing Allocation (PLHA) First-Time Homebuyer Mortgage Assistance Program is designed to assist low-income homebuyers by providing down payment and mortgage assistance to reduce the amount of the first mortgage loan on homes located in the City of Sacramento.

For additional program information click here.  To apply for the PLHA Program, contact one of SHRA’s approved lenders listed here.

Note: Due to the depletion of funds, SHRA cannot assist with this program until further notice.

SHRA administers the Mortgage Credit Certificate (MCC) program to assist eligible homebuyers afford their first home.  This program provides a tax credit to eligible homebuyers to reduce the amount of Federal income tax the homebuyer pays which enables them to more easily afford to purchase a home.  The primary MCC program is summarized below along with the process to request to have a MCC reissued for current certificate holders.

Sacramento MCC

The Sacramento Mortgage Credit Certificate (MCC) Program provides homeownership assistance in the form of a Federal Income Tax Credit on home purchases within the County of Sacramento and the cities of Sacramento, Elk Grove, Folsom, Isleton, Galt, Citrus Heights, Rancho Cordova.  Read more about the MCC Program details below.  To apply for the MCC Program, contact one of SHRAs approved lenders.

MCC Program Features

MCC Approved Lender List

Sacramento MCC Program – Reissued MCCs

As part of the Sacramento MCC Program, SHRA offers current MCC holders who wish to refinance their original mortgage loan for the first time the ability to request to have their MCC reissued.  Read the detailed requirements and procedure to apply for a Reissued Mortgage Credit Certificate (RMCC) below.

Reissued Mortgage Credit Certificate Details

Note: Funding is currently depleted for both the City and County of Sacramento as of March 8, 2017.  SHRA cannot assist with this program until further notice.

The CalHome First-Time Homebuyer Mortgage Assistance Program is designed to assist low-income homebuyers by providing down payment and mortgage assistance to reduce the amount of the first mortgage loan on homes located in eligible areas of the City and County of Sacramento.  For additional program information click here. A link to a map of the Qualified Census Tracts for the program is located here: CalHome QCT Map. To apply for the CalHome Program, contact one of SHRAs approved lenders listed here.

Homes available for purchase under the Welcome Home Program are owned by SHRA and are fully renovated prior to sale. Homes range in size from two to five bedrooms and are located throughout the City and County of Sacramento. Renovations include new appliances and amenities such as dishwashers, washer/dryer hook-ups, new interior and exterior paint, windows, floor covering, fixtures, and heating/air conditioning systems.
Homes are sold to eligible low income households in the City and County of Sacramento. Down payment assistance may be available for those households that qualify, and residents in SHRA’s rental assistance programs may also qualify to purchase a home.
A total of 76 homes will be renovated for sale in target areas of the City and County, including the Sacramento Promise Zone. The link below provides information on the current availability of these homes.

Current Listings

Below is a complete list of our current listings (Last Updated: 3/21/2023). PLEASE NOTE: New listings will be added as homes become available.

Welcome Home Program Frequently Asked Questions
Approved Real Estate Brokers Welcome Home Program
Welcome Home Program Approved Lender List

For more information about purchasing a home, call SHRA Homeownership Services at (916) 440-1393.

There are periodically opportunities for eligible buyers to purchase affordable single family homes. These homes may be located in new subdivisions or in existing neighborhoods. Applicants must meet eligibility requirements and be able to qualify for first mortgage financing to purchase these homes. In addition, most of these homes require restrictions on the resale of the home, so buyers are advised to fully understand these restrictions. For more information, please call SHRA Homeownership Services staff at (916) 440-1393.
For a list of affordable homes currently for sale in the City and County, use this link New Affordable Homes for Sale

Note: SHRA’s Approved Lender List is currently closed to new lenders. This information will be updated and ListServ notices will be sent out as needed.

SHRA homebuyer assistance programs are accessed through Approved Lenders who meet specific lender requirements and are trained to offer our programs. Listed below are the requirements for lenders and information to help them understand how SHRA works with them to provide affordable housing opportunities.

Lender Application
Lender Announcement
Home Ownership Guidelines
Approved Lender Requirements

SHRA recognizes that homebuyer education is a critical component in preparing buyers for successful, responsible homeownership. Education is also important for homeownership preservation. SHRA assistance programs require prospective homebuyers attend a course of homebuyer education class provided by a HUD Approved Housing Counseling Agency.

Due to Covid-19, SHRA asks participants to contact and set up a virtual class with:
NeighborWorks HomeOwnership Center – Sacramento Region
2411 Alhambra Boulevard
Sacramento, CA 95817
(916) 452-5356

SHRA partners with other government agencies and affordable housing organizations to provide additional resources and information that may be useful to potential homebuyers. Listed below are some of these partners.

California Housing Finance Agency

U.S. Department of Housing & Urban Development

Neighborworks Sacramento