Down Payment Assistance in Bakersfield: 2026 Programs
Yes, Bakersfield buyers can get down payment help in 2026. CalHFA's MyHome loan covers up to 3.5% of the price on an FHA loan or 3% on a conventional loan for first-time buyers in Kern County with household income up to $192,000. Inside city limits, Hope to Home offers up to $40,000 to lower-income
Seller Concessions in Bakersfield: What Buyers Can Ask For
Yes, you can ask a Bakersfield seller to pay part of your closing costs, and this fall the market gives buyers more room to ask. In September 2026, 70.1% of Bakersfield homes sold at or below their list price, based on Redfin data. How much a seller can cover depends on your loan: FHA allows up to 6
USDA Loans in Kern County: Which Areas Qualify in 2026
Most of metro Bakersfield sits outside USDA's eligible areas, but many Kern County towns outside it test as eligible. When I checked USDA's eligibility map on October 10, 2026, the centers of Tehachapi, Shafter, Wasco, Arvin, Lamont, Taft, Rosamond, California City, Frazier Park, Lake Isabella and K
Prop 37 Explained: What It Means for Bakersfield Homebuyers
Prop 37 is a statewide measure on the November 3, 2026 ballot that would let the California Housing Finance Agency lend middle income buyers up to 17 percent of the price of a brand new home as a second mortgage. It only covers newly built homes bought by their first owner, and the buyer still puts
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