Los Angeles Down-Payment Assistance Program for Middle Income Home Buyers

City of LA MIPA (Moderate Income Assistance Program) - Andi Grant, Los Angeles Realtor

✅ Funds are open per loan reservation process schedule - funds are not guaranteed and are generally based on a first come, first served basis.

• Wednesday, September 10, 2025 – 12 MIPA Loan Reservations* 

 NOTE:  Section 8 subsidized programs may or may not apply. Please check with your lender.

MIPA Program 2025 (Modreate-income Purchase Assistance) program is a first-time home buyer program offered by the City of Los Angeles Housing and Community Investment Department (HCIDLA) and is a great option for those who do not have readily available the down-payment and closing cost funds needed for most home purchases.  MIPA offers up to $120,000 for purchase assistance which can be used for all of the buyer's down payment or combined both down-payment and closing costs. 

Home must be located in the incorporated City of Los Angeles.  Please see list of Los Angeles neighborhoods below. Check with ZIMA or one of our LIPA preferred lenders for area eligibility. 

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*Funds are first come first serve and qualifications/requirements are subject to change without notice so please contact us at 310-508-4354 and we will connect you to a participating lender that is a 2025 MIPA program expert or you can take 5 minutes to fill out the Down-Payment Assistance Program form today!

REQUIREMENTS*:

2025 First-time home buyer Applicants must be first time home buyers.  The borrower/buyer applicant cannot have been on title or defined as having ownership interest of real property within the past full 3 years.

Buyer Applicants must have middle FICO score of minimum 660

Buyer Applicant must attend an 8 hour Homebuyer education class.  [As soon as you are thinking of buying it is a good idea to sign up to attend the class]

First-time home buyer must occupy the property as their primary residence.

Household income limits apply for all adults 18 years of age and older that will be living in the home.

MINIMUM 1% down payment by borrower required.  In certain circumstances more than 1% may be required. 

To find out the remaining program requirements call 310-508-4354 or take 5 minutes to fill out the  Down-Payment Assistance Program inquiry form to get more information sent to you.

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ELIGIBLE PROPERTIES:

Property must be located in the City of Los Angeles.  Please find out if a property you are interested in qualifies by using the district finder for city of LA and County of Los Angeles to make sure the property is not in the unincorporated area of Los Angeles.  

Approved short sales/pays, Foreclosed and REO Properties and Regular Sales.

One unit, single family residences including town homes and condos.

Property cannot be occupied by tenants.  

All consumers applying under the 2025 MIPA program must purchase their own professional home property inspection report and have their LAHD participating lender submit their receipt of payment to Los Angeles Housing Dept as part of their loan application package. 

All loan application documentation must be signed and dated and be less than six months old by borrower or signee, as applicable.

CITIES, AREAS and NEIGHBORHOODS FOR MIPA PROGRAM:

INCOME LIMITS

To find out the remaining qualifications needed please call us at 310-508-4354 and we will connect you to a participating lender that is a MIPA program expert or for a quick start you can take 5 minutes to fill out the Down-Payment Assistance  inquiry form today!