After the market crash, it has been increasingly difficult to get a loan. One of the reasons for that isn't just due to good or bad credit, but getting that 20-25% down necessary to secure a loan. There are many programs out there that offer down payment assistance for many homeowners. California Realtors® Association and myself feel it is very important to make sure homeowners are aware of these programs. Below you will find a link for you to see if you qualify for this assistance.