What is the minimum down payment for a house in California?

No, California doesn’t require a higher down payment than other states. The minimum amount depends on the type of loan you choose, not the state. Here are common options: FHA loan: as low as 3.5% down (with credit requirements and mortgage insurance). Conventional loan: can be as low as 3% down for qualified first-time buyers. VA loan: 0% down for eligible veterans and service members. USDA loan: 0% down in eligible rural areas. So the minimum down payment in California is the same as nationwide programs, it’s based on your loan type, credit, income, and lender requirements, not the state itself.

Hello Carlos, if you are a first time homebuyer, there are programs available to you that only require 3-3.5% down.