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San Joaquin County Neighborhood Preservation Office offers a Down payment Assistance Program (DAP) to persons and families seeking to purchase a home in Tracy. Deferred down payment assistance loans, 20% of the sales price up to $40,000 (whichever is lesser), to low income, first-time homebuyers for the purchase of a home. The loans are intended to bridge the gap between the cost of a house and what a low income household can afford. Please contact the San Joaquin Neighborhood Preservation Office at 209-468-3157 to submit a loan application.