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Los Angeles Moderate Income Purchase Assistance (MIPA)

By Tyler Thompson · Licensed Real Estate Agent

Administered by:

Los Angeles Housing Department (LAHD)

· City · Deferred Loan

Funding status: Limited

How much assistance

Up to $115,000 for down payment, closing costs and acquisition

0% interest, no monthly payments, with a shared appreciation provision. The loan and shared appreciation are due on sale, title transfer, repayment of the first mortgage, or as a balloon after 30 years. Refinancing allowed under certain conditions.

Eligibility

Income limits: Moderate income, 2026 limits: $93,301 to $128,300 (1 person), $133,251 to $183,250 (4 people).
Purchase price limit: $956,465
First-time buyer required: Yes — No ownership interest in any real property in the last three years.
Credit score minimum: 660
Geographic restrictions: City of Los Angeles only. Owner-occupied primary residence. Buyer pays at least 1% down from own funds.
Homebuyer education required: Yes