: These are deferred-payment junior loans used for down payments or closing costs. A key benefit is that they require no monthly payments ; the balance is only due when the home is sold, refinanced, or the primary mortgage is paid off.

: Due to high demand, some of the most lucrative programs have moved away from first-come, first-served models. The California Dream For All now uses a randomized drawing to select participants from a pool of eligible registrants.

: Some local programs, such as the GSFA Platinum Program, offer assistance that is completely forgiven if you live in the home for a set period, typically three years.