Homebuyer Assistance Program (HAP)

Homebuyer Assistance Program (HAP)


The Homebuyer Assistance Program provides assistance to eligible first-time home buyers in the form of low interest loans.  Assistance is provided in the form of "gap" financing.

Program Requirements and Guidelines

  • Borrower(s) shall have incomes at or below 80 percent of the Stanislaus County Area Median Income , adjusted for household size, as published annually by the US Department of Housing and Urban Development.
  • Borrower(s) must acquire a private market first mortgage.
  • Gap financing shall not exceed 60,000. Up to 5 percent of the assistance provided may be used to pay non-recurring closing costs.
GAP financing

HUD Approved Counseling Agencies

Agency Name Phone, Toll-Free,
Fax Number,
Email, Website,
Agency ID
Address  Counseling Services  Languages
COMMUNITY HOUSING AND SHELTER SERVICES Phone: 209-527-0444
Fax: 209-575-9818
Website:  
Agency ID: 81283
708 H Street,
MODESTO, California 95354-3436 
- Financial, Budgeting, and Credit Workshops
- Rental Housing Counseling
- Services for Homeless Counseling
- English
- Spanish
HABITAT FOR HUMANITY, STANISLAUS COUNTY Phone: 209-575-4585
Fax: 209-575-0755
Website: www.stanislaushabitat.org 
Agency ID: 82528
630 Kearney Avenue
MODESTO, California 95350-5714
- Financial Management/Budget Counseling
- Financial, Budgeting, and Credit Workshops
- Home Improvement and Rehabilitation Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- English
- Spanish
PROJECT SENTINEL Phone: 209-236-1577
Toll-free: 888-331-3332
Fax: 209-236-1578
E-mail: solutions@stanislausmediation.org
Website: www.housing.org
Agency ID: 82096
1409 H Street
MODESTO, California 95354-2531
- Fair Housing Pre-Purchase Education Workshops
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Rental Housing Counseling
- Services for Homeless Counseling
- English
- Spanish