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 $75,000. 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 will be accepted from HOP approved participating lenders on:

12 applications on July 10, 2019 - Closed
12 applications on September 11, 2019 - Closed
10 applications on November 6, 2019 - Closed
10 applications on January 8, 2020 - Closed
10 applications on March 4, 2020 - Closed

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 June 28, 2019

    *Income not to exceed maximum amount per family size.

    No. of Persons in Household Income
    1 $58,450
    2 $66,800
    3 $75,150
    4 $83,500
    5 $90,200
    6 $96,900
    7 $103,550
    8 $110,250









  • Step 3. Find a Home Within an Eligible Area

    1. The maximum purchase price allowed for existing or new homes is $495,000 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    

    1.City of Agoura Hills
    2.City of Arcadia
    3.City of Avalon
    4.City of Azusa
    5.City of Bell
    6.City of Bell Gardens
    7.City of Beverly Hills
    8.City of Calabasas
    9.City of Cerritos
    10.City of Claremont
    11.City of Commerce
    12.City of Covina
    13.City of Cudahy
    14.City of Culver City
    15.City of Diamond Bar
    16.City of Duarte
    17.City of El Segundo
    18.City of Hawaiian Gardens
    19.City of Hermosa Beach
    20.City of Irwindale
    21.City of La Canada Flintridge
    22.City of La Habra Heights
    23.City of La Mirada
    24.City of La Puente
    25.City of La Verne
    26.City of Lawndale

      27.City of Lomita
    28.City of Malibu
    29.City of Manhattan Beach
    30.City of Maywood
    31.City of Monrovia
    32.City of Rancho Palos Verdes
    33.City of Rolling Hills Estates
    34.City of San Dimas
    35.City of San Fernando
    36.City of San Gabriel
    37.City of San Marino
    38.City of Santa Fe Springs
    39.City of Sierra Madre
    40.City of Signal Hill
    41.City of South El Monte
    42.City of South Pasadena
    43.City of Temple City
    44.City of Torrance
    45.City of Walnut
    46.City of West Hollywood
    47.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