Two Programs Available For First-Time Homebuyers

Drought Tolerant driveway leading to the front side of a single family house

Thinking about buying your first home? The City of Los Angeles Housing + Community Investment Department (HCIDLA) offers two programs, the Low Income Purchase Assistance (LIPA) and Mortgage Credit Certificate (MCC), that can help you achieve your dream of homeownership.  

The LIPA program helps first-time, low-income homebuyers purchase homes in the City of Los Angeles by providing loans to cover the down payment, closing and acquisition cost.  The MCC program provides a dollar-for-dollar reduction to the homebuyer's potential federal income tax liability. This increases the household income available to qualify for a home mortgage.

Please visit to learn more about the features and eligibility requirements of our homeowner assistance programs.