David Silva

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California Program · GSFA

GSFA Platinum

Up to 5.5% in down payment help — no first-time-buyer requirement and no purchase-price limit. GSFA Platinum is one of California’s most flexible programs.

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Overview

Flexible help for California buyers.

The Golden State Finance Authority (GSFA) Platinum program provides up to 5.5% of your loan in down payment and closing-cost assistance — and it’s open to repeat buyers, not just first-timers. With FICO scores as low as 640, DTI up to 50%, and no purchase-price limit, it’s built for California’s high-cost reality.

How it works

The essentials

Platinum Select

Up to 5% (Select)

Up to 3.5% as a 15-year amortizing second mortgage, plus up to 1.5% as a non-repayable gift (subject to market conditions). Promotional structure available through August 2026.

Assist-to-Own

For county employees

Public county employees may access up to 5.5% — a 3.5% zero-interest deferred second with no monthly payments, plus up to 2% in gift assistance.

Flexible

Built for real buyers

No first-time-buyer requirement, FICO as low as 640, DTI up to 50%, and no purchase-price limit (max first loan $832,750). Works with FHA, VA, USDA and conventional loans.

Who it is for

Do you qualify?

  • California buyers, first-time or repeat
  • Buyers with FICO around 640+
  • Buyers with higher DTI (up to 50%)
  • Public county employees (Assist-to-Own)
  • FHA, VA, USDA or conventional borrowers
  • Buyers of 1-4 unit homes, condos, townhomes or manufactured homes

At a glance

Program highlights

Up to 5.5% assistance

Down payment and closing costs.

No first-time rule

Repeat buyers welcome.

640 minimum FICO

Accessible credit requirements.

DTI up to 50%

Room for higher debt loads.

No price limit

Max first loan $832,750.

FHA/VA/USDA/Conv

Works with most loan types.

GSFA programs are administered by the Golden State Finance Authority and offered through participating lenders, subject to program guidelines, income limits, credit and eligibility requirements that are subject to change. Assistance structures and promotional terms may change. This is not a commitment to lend. Contact David to confirm current terms and your eligibility.

Let’s unlock your California purchase.

Every situation is different. Let me confirm your eligibility and run the numbers. Call (303) 557-3846 or start online.

See If You Qualify