San Joaquin County Gap Loan Program

Program excludes certain cities within San Joaquin County

Maximum Amount

Up to $40,000 (20% of Purchase Price)


  • Deferred, long term, low interest rate loan.
  • Up to $40k in down payment assistance.
  • GAP Financing
  • Once the home is purchased, there are no further income restrictions.

Participating Lenders

May use lender of choice.

Approved Education Providers

You must obtain a “Certificate of Completion” from a HUD-approved homebuyer cla
and provide the Certificate to the County prior to the close of escrow.
Visionary Home Builders of California (209) 466-6811
NID-HCA (209) 952-8806
Neighbor Works (916) 452-5356

Program Provider Contact

The City of Lathrop’s Program is administered through the San Joaquin County
Neighborhood Preservation office. Contact them at (209) 468-3175 or (209) 468-315 Chris Becerra or Norma Andrade