GSFA Platinum Assist-to-Own Calculator

GSFA Platinum Assist-to-Own — a deferred second mortgage at 0% plus a gift, for GSFA member county employees.

GSFA Platinum Assist-to-Own at a Glance

Primary residence only — the borrower(s) must live in the home as their primary residence.
No first-time homebuyer requirement — first-time and repeat buyers can both qualify.
Only for employees of a GSFA member county (employment with the county itself is verified) — you can buy anywhere in California.
See the GSFA member counties
The second mortgage is deferred at 0% interest — no monthly payments — and is repaid only when you sell, refinance or pay off your first mortgage.
Part of the assistance is a gift that never has to be repaid and creates no lien on your home.
Minimum credit score 640; debt-to-income ratios up to 50% may qualify.
No purchase price limit — the first mortgage loan itself is capped at $832,750.
GSFA sets no income limit for FHA, VA or USDA loans; conventional income limits vary by county.
GSFA's official Platinum program page

Your Numbers

Purchase Price

Appraised Value

County

GSFA sets no income limit for FHA, VA or USDA loans. Conventional income limits vary by county — GSFA's official income limits

First Mortgage Type

Down Payment

Percent (%) on the left, dollars ($) on the right — edit either one.

Rate Tier

See current GSFA rates

Assistance tiers from NHF's GSFA rate page, as of October 23, 2026 — tiers change with rates.

First Mortgage Rate %

Term

GSFA first mortgages are 30-year fixed.

Upfront MIP % (financed into the loan)

Annual MIP %

How HUD sets the upfront & annual MIP — FHA's official chart

Closing Costs

Defaults to 2.5% of the purchase price.

HOA Dues (monthly)

Annual Household Income (optional)

First Mortgage

Base loan amount—

Financed fees (Upfront MIP)—

Total first mortgage—

Monthly principal & interest—

Want to lower these early payments? Try the Temporary Buydown Calculator

LTV—

CLTV (incl. deferred second)—

Your Assistance

Deferred second mortgage—

0% interest, no monthly payments — due when you sell, refinance or pay off your first mortgage.

Gift—

Never repaid — no lien.

Total assistance—

Monthly Payment

Principal & interest (first mortgage)—

Second mortgage payment$0.00

Deferred — no monthly payment; due when you sell, refinance or pay off your first mortgage.

Property taxes—

Homeowner's insurance—

Mortgage insurance—

HOA dues—

Total monthly payment—

Cash Needed

Down payment—

Closing costs—

Less: deferred second mortgage—

Less: gift—

Cash needed—

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Estimates only — this calculator is for illustration purposes and is not a commitment to lend or an offer of credit. GSFA Platinum Assist-to-Own is limited to verified employees of GSFA member counties. Eligibility, income limits, rates and assistance tiers are set by the Golden State Finance Authority (GSFA) and NHF and change without notice; the gift portion of the assistance is subject to market conditions. Final eligibility is determined at application. Radlam Thai, NMLS# 892235, Groves Capital, NMLS# 1678775.