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The City of Tracy Community Development Agency is pleased to offer the following loan and grant programs to qualified, income-eligible, owner-occupied homeowners in the downtown area.

Down Payment Assistance Program (DAP)

The City of Tracy is committed to increasing the number of residents who own their homes especially in this tough time. The City recognizes that there are many families who want to own a home and can qualify for a mortgage and afford the monthly payments, but are unable to save enough for a down payment. The Down Payment Assistance Program (DAP) helps eligible families purchase a home in the City of Tracy.

The DAP is designed to work with a number of different mortgage programs. The program provides down payment and closing cost assistance.

Rehabilitation Loan and Grant Programs

The City of Tracy Downtown Rehabilitation Loan and Grant Programs help to create a better place to live by enhancing the quality of life for low-income families and preserving the existing housing stock in the City of Tracy.

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