Please see the resources to assist with homeownership below:

Riverside County Mortgage Credit Certificate (MCC) Program

Riverside County Mortgage Credit Certificate Program (MCC) is a federal program that helps first-time homebuyers to qualify for mortgage loans. MCCs give homebuyers a “dollar for dollar” tax credit against federal income taxes equal to up to fifteen percent (15%) of annual mortgage interest. By effectively reducing monthly mortgage payments, MCCs give homebuyers greater ability to qualify for and support a mortgage loan. Program participants are subject to limits on maximum household income and maximum home purchase price. Additionally, a certain Census Tract within the City qualifies as a Target Area, commonly known as the Baristo and Midtown Neighborhoods.  If the home buyers’ tax liability is lower than their available MCC tax credit, they can carry forward the unused tax credit for three additional years.

California Housing Finance Agency (CalHFA) Dream for All Program 

The Dream For All Shared Appreciation Loan is a down payment assistance program for first-time homebuyers to be used in conjunction with the Dream For All Conventional first mortgage for down payment and/or closing costs. Upon sale or transfer of the home, the homebuyer repays the original down payment loan, plus a share of the appreciation in the value of the home. Please see their website for more information --> https://www.calhfa.ca.gov/dream/index.htm#nextsteps