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Hey guys let's talk down payment assistance so specifically today I'm going to talk to you about down payment assistance program that they have available for those who are looking in the cap county first-time homebuyers it has a first-time homebuyer program that you may be in qualify for now with this particular program you have to take a class of course um it's for six to eight hours and that's going to educate you on the program how it works see whether you guys qualify for it, you still have to go through your process of being able Paula five for a loan so that's totally separate if you can't qualify for a loan of course you're not going to be able to get down payment assistance okay so if you qualify for a home loan you have the credit everything is in order, but you're like oh you know I have that 35 down I don't have any money for a closing cost what can I do to assistance you know to assist me well different areas have different down payment assistance program now some of them are complicated some of them are hard just depending on what it is and depending on the time frame that you have and if it's going to be beneficial for you okay so just keep that in mind when you are looking for down payment assistance okay so lets fast-forward to here the down payment system is the cal county first-time homebuyers down payment assistant program is what it is so you have to have an annual income limits okay that they have so based on one household to household through household all the way up to eight household eight people household okay, so they have different limits of income limits that you would have to fit into in order to be able to get into that program let me give you an example a household income a one person can't make any more than thirty-seven thousand eight hundred I mean are you so that's one person it goes up to eight plus you know me with the limit being like seventy-one thousand dollars a year okay so you have to know exactly how many people in your household was the household income and actually maybe at a quality for now they do you have participating lenders that you have to go through of course, and they have real estate agents like myself that are they go to the class and our educated, and we'll be able to walk you through the process now everybody will not be educated within the program and if you haven't taken a class then in 9010 they will not be this issue with the program now you can have let me just um again it says applet applicants may be creditworthy to determine whether they participate in programs so again like we talked about you have to be in a quality for a loan to be to qualify for a down payment assistance eligibility to assist you let's see applicants has to have at least a 620 credit score, and they can receive up to eight thousand dollars towards down payment and closing costs so did you hear me guys I said down payment and closing cost so that's huge you know so even if you had money for the down payment,...
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