First-time buyers in Palmdale and Lancaster can often buy with 3.5% down (FHA), 0% down (VA or USDA in eligible areas), or with CalHFA and county down payment assistance layered on top. Beyond Estates handles the loan intake, finds the programs you qualify for, and charges buyers $0 in most deals. Start with a 15 minute call: (661) 441-3706.
Programs AV first-time buyers actually use
- FHA: 3.5% down, flexible credit. The most common loan for first-time buyers in Palmdale and Lancaster.
- VA: 0% down, no mortgage insurance, for veterans and active duty. Huge in the AV because of Edwards AFB and Plant 42. See our veterans page.
- CalHFA MyHome: deferred-payment down payment and closing cost assistance from the State of California, stackable with FHA or conventional.
- Conventional 3% down programs for buyers with stronger credit.
- LA County and city programs: check our down payment assistance guide for what is currently funded.
- Seller credits: in the AV market, closing cost credits from the seller are common. We negotiate them on most first-time buyer deals.
What we do that others do not
We own the moving company and furniture store, so your first home comes with free movers (first 2 hours), up to 3 months of storage, free pest control, a one-year home warranty, name-brand furniture at 2 to 3x less and Lowe's savings on the first big shopping trip. See the full savings calculator.
Start here
- The complete first-time buyer guide for Palmdale and Lancaster
- How much house can you afford in the AV?
- FHA loans in the Antelope Valley: limits and how they work
- Home inspections in the AV: what to look for
Frequently asked questions
How much do I need for a down payment in Palmdale?
As little as 3.5% with FHA, 3% with some conventional programs, or 0% with VA. CalHFA and county assistance can cover part or all of the down payment and closing costs for qualified buyers.
Are there first-time buyer grants in the Antelope Valley?
Yes, programs change with funding. CalHFA MyHome is statewide; LA County and local programs open and close. Beyond Estates checks what you qualify for during the loan intake.
Do you work with Spanish-speaking buyers?
Yes. Charly Daoud is fluent in Spanish and roughly half of Beyond Estates clients are Spanish-speaking families.
Talk to the #1 team in the Antelope Valley
Call or text. We answer 7 days a week, in English, Spanish or Arabic.
Charly Daoud, Team Leader · CA DRE #02023368
3001 Rancho Vista Blvd, Palmdale, CA 93551
Call or text (661) 441-3706 · charly.daoud@exprealty.com
Offices: Antelope Valley · San Fernando Valley · Bakersfield · Central Valley