Our Reviews
Jermaine & his team did an amazing job selling our house! His honesty and down-to-earth approach made the process so much easier. Highly recommend him!
- Kevin G.
Jermaine was amazing to work with while buying our first home. He was very patient and really made the whole process less stressful for us even when we thought it was not possible. We’re so grateful for his help and would recommend him. He made our dream possible. Thank you!
- Ignacio A.
Jermaine sold my home in under 60 days!! Responsive, courteous, timely, honest, down to earth, has the best open houses ever, and a great network of title and escrow agents. He’s great!!!
- Noelia N.
Our
Reviews
Down Payment Assistance (DPA)
Buying a home in the Coachella Valley can feel overwhelming, especially with rising home prices and the upfront costs of purchasing a home. The good news is that many first-time homebuyers in Greater Palm Springs may qualify for Down Payment Assistance (DPA) programs that can help make homeownership more affordable.
Down Payment Assistance programs are offered through local, county, state, and nonprofit organizations to help make homeownership more accessible. Depending on the program, assistance may be used toward your down payment, closing costs, or a combination of both.
Assistance is typically provided as:
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Deferred loans – No monthly payments are required, with repayment typically due when you sell, refinance, or pay off the home.
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Forgivable loans – The loan may be forgiven after you've lived in the home for a required number of years and continue to meet the program's guidelines.
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Grants – Funds that generally do not have to be repaid.
Many Down Payment Assistance programs can be paired with FHA, Conventional, VA, or USDA loans, depending on your eligibility. Income limits, purchase price limits, occupancy requirements, and other qualifications vary by program, so it's important to review the specific guidelines for each option.
Buying a home in the Coachella Valley can feel overwhelming, especially with rising home prices and the upfront costs of purchasing a home. The good news is that many first-time homebuyers in Greater Palm Springs may qualify for Down Payment Assistance (DPA) programs that can help make homeownership more affordable.
Down Payment Assistance programs are offered through local, county, state, and nonprofit organizations to help make homeownership more accessible. Depending on the program, assistance may be used toward your down payment, closing costs, or a combination of both.
Assistance is typically provided as:
-
Deferred loans – No monthly payments are required, with repayment typically due when you sell, refinance, or pay off the home.
-
Forgivable loans – The loan may be forgiven after you've lived in the home for a required number of years and continue to meet the program's guidelines.
-
Grants – Funds that generally do not have to be repaid.
Many Down Payment Assistance programs can be paired with FHA, Conventional, VA, or USDA loans, depending on your eligibility. Income limits, purchase price limits, occupancy requirements, and other qualifications vary by program, so it's important to review the specific guidelines for each option.
Did you know? You may still qualify as a first-time homebuyer even if you've owned a home before. Many Down Payment Assistance programs define a first-time homebuyer as someone who has not owned a primary residence during the past three years. That means if you sold your home more than three years ago, you could be eligible for programs designed to help first-time buyers re-enter the market.
Whether you're looking to buy your first home in Palm Springs, Palm Desert, La Quinta, Indio, Cathedral City, Rancho Mirage, Desert Hot Springs, or elsewhere in the Coachella Valley, exploring these programs could make buying a home more affordable than you think.
Did you know? You may still qualify as a first-time homebuyer even if you've owned a home before. Many Down Payment Assistance programs define a first-time homebuyer as someone who has not owned a primary residence during the past three years. That means if you sold your home more than three years ago, you could be eligible for programs designed to help first-time buyers re-enter the market.
Whether you're looking to buy your first home in Palm Springs, Palm Desert, La Quinta, Indio, Cathedral City, Rancho Mirage, Desert Hot Springs, or elsewhere in the Coachella Valley, exploring these programs could make buying a home more affordable than you think.
Down Payment Assistance Programs
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Offers up to 20% of purchase price or closing costs, up to $150,000 in assistance.
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This is a shared appreciation loan, meaning repayment happens when you sell, refinance, or pay off the home.
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Requirements include:
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First-time homebuyer status.
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One (1) buyer MUST be First Generation homebuyer.
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Income & loan eligibility tests per CalHFA rules.
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Offers silent second mortgage down payment assistance with no monthly payments or interest.
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Assistance can be up to 20% of purchase price (max ~$100,000).
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Forgiven after typically 15 years if you live in the home.
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Requires qualifying as a first-time buyer and meeting income & eligibility limits.
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Offers up to 5% of the first mortgage amount for DPA.
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No first-time buyer requirement.
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Works with FHA, VA, USDA & other loan types.
Platinum Program:
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Offers up to 5.5% DPA.
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Includes special options with deferred zero-interest second mortgage and gift funds.
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No first-time buyer requirement.
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Provides down payment assistance up to 20% of the purchase price, capped at $100,000.
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Available to first-time homebuyers.
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Requirements typically include:
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Completion of a homebuyer education course.
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Use of an approved lender.
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Explore potential down payment assistance programs based on your household and financial circumstances. Clicking the link will take you to a third-party website where you can complete a short questionnaire and view programs that may be available to you. Eligibility and program availability vary.
-
Offers up to 20% of purchase price or closing costs, up to $150,000 in assistance.
-
This is a shared appreciation loan, meaning repayment happens when you sell, refinance, or pay off the home.
-
Requirements include:
-
First-time homebuyer status.
-
One (1) buyer MUST be First Generation homebuyer.
-
Income & loan eligibility tests per CalHFA rules.
-
-
Offers silent second mortgage down payment assistance with no monthly payments or interest.
-
Assistance can be up to 20% of purchase price (max ~$100,000).
-
Forgiven after typically 15 years if you live in the home.
-
Requires qualifying as a first-time buyer and meeting income & eligibility limits.
-
Offers up to 5% of the first mortgage amount for DPA.
-
No first-time buyer requirement.
-
Works with FHA, VA, USDA & other loan types.
Platinum Program:
-
Offers up to 5.5% DPA.
-
Includes special options with deferred zero-interest second mortgage and gift funds.
-
No first-time buyer requirement.
© 2026 Jermaine Antonio Gill | REALTOR® | DRE#02226055 | Coachella Valley 760-239-9131 | Monterey County 831-240-8700
Jermaine Antonio Gill
REALTOR® DRE#02226055