Home Ownership Program (HOP)

HOP is financed with HOME funds provided through the U.S. Department of Housing and Urban Development (HUD) and is subject to the applicable federal regulations. Designed to meet the needs of low-income families, HOP provides loans of up to 20% of the purchase price for down payment and closing costs assistance not to exceed $85,000. Each loan is a second Trust Deed loan provided at 0% interest with all payments deferred until sale, transfer, refinancing, no longer owner-occupied, or full repayment of the first mortgage. HOP loans are available to first-time homebuyers in the unincorporated areas of Los Angeles County and cities participating in the Community Development Block Grant (CDBG) Urban County Program. 


Home Ownership Program (HOP) applications are being accepted from HOP-Approved Participating Lenders. Applications are reviewed on a first come, first served basis.

HOP applications will be accepted from HOP-Approved Participating Lenders on the following dates:

Thursday, July 8, 2021 – Eight (8)
Wednesday, September 1, 2021- Eight (8)
Wednesday, November 3 2021 – Eight (8)
Wednesday, January 12, 2022 – Eight (8)
Wednesday, March 2, 2022 – Eight (8)

If you are first-time homebuyer and are interested in applying for the program, contact a HOP participating lender to get pre-qualified. Only a HOP participating lender can submit a HOP application on your behalf. HOP applications will be accepted on a first-come, first-served basis.

To become a participating lender, you must receive HOP training from the LACDA.  Please click here to register for the next training. 


How To Get Started

  • Step 1. Confirm Your Eligibility

    1.  The applicants must be first-time homebuyers: no ownership interest in real estate at anytime in the past three years.  
    2.  Homebuyers must occupy the home as their principal residence.
    3.  The loan is secured by a second Trust Deed and Promissory Note. 
    4.  Applicants must invest a minimum of 1% of the down payment, not including closing costs of their OWN funds. 

    All applicants must complete an 8-hour homebuyer education seminar from an approved HUD counseling agency.

     6. Property cannot be occupied by tenants, unless it is a Tenant-Purchaser.


  • Step 2. Verify Income Eligibility

    L.A. County Median Income Guidelines - Effective April 1, 2021


    *Income not to exceed maximum amount per family size.

    No. of Persons in Household Income
    1 $66,250
    2 $75,700
    3 $85,150
    4 $94,600
    5 $102,200
    6 $109,750
    7 $117,350
    8 $124,900









  • Step 3. Find a Home Within an Eligible Area

    1. The maximum purchase price allowed for existing or new homes is $585,000 for Single-Family Homes, Condominiums and Townhomes.
    2. All properties built before 1978 are required to have a Visual Lead-Based Paint Inspection and must pass the inspection before loan approval.
    3. Click here to make sure the property is in the Unincorporated area of Los Angeles County or in one of the HOP Participating Cities. 
    4. Homes purchased under the HOP program must meet state and local codes. All health and safety issues on the home inspection report must be repaired prior to close of escrow.
    5. The eligible areas are Los Angeles County unincorporated areas and participating cities listed below:


     Participating Cities    

    City of Agoura Hills
    City of Arcadia
    City of Avalon
    City of Azusa
    City of Bell
    City of Bell Gardens
    City of Beverly Hills
    City of Calabasas
    City of Claremont
    City of Commerce
    City of Covina
    City of Cudahy
    City of Culver City
    City of Diamond Bar
    City of Duarte
    City of El Segundo
    City of Hawaiian Gardens
    City of Hermosa Beach
    City of Hidden Hills
    City of Irwindale
    City of La Canada Flintridge
    City of La Habra Heights
    City of La Mirada
    City of La Puente
    City of La Verne
    City of Lawndale

      City of Lomita
    City of Malibu
    City of Manhattan Beach
    City of Maywood
    City of Monrovia
    City of Rancho Palos Verdes
    City of Rolling Hills Estates
    City of San Dimas
    City of San Fernando
    City of San Gabriel
    City of San Marino
    City of Santa Fe Springs
    City of Sierra Madre
    City of Signal Hill
    City of South El Monte
    City of South Pasadena
    City of Temple City
    City of Walnut
    City of West Hollywood
    City of Westlake Village 


















  • Step 4. Homebuyer Education Seminars

    All HOP applicants must complete an 8-hour first-time homebuyer education seminar and obtain a Certificate of Completion from a HUD approved facilitator.  The LACDA must receive a copy of the certificate before the close of escrow.  

    -   For a list of HUD-approved facilitators, please click here

    -   You may also visit HUD's web site at www.hud.gov.  

  • Step 5. Contact a Participating Lender

    Please contact one of the participating lenders to start the process of getting pre-qualified. 

    HOP Participating Lenders

  • Need Additional Help?

    Contact the following if you have further questions:

    Tamar Gantt, HOP Administrator
    Email: Tamar.Gantt@lacda.org

    Am Vuong, Home Ownership Programs Supervisor
    Email: Am.Vuong@lacda.org