{"id":66,"date":"2026-10-02T16:00:00","date_gmt":"2026-10-02T16:00:00","guid":{"rendered":"https:\/\/www.joannalopez.com\/blog\/?p=66"},"modified":"2026-10-02T16:00:00","modified_gmt":"2026-10-02T16:00:00","slug":"2026-california-proposition-37-explained-could-a-3-down-payment-help-more-families-buy-a-home","status":"publish","type":"post","link":"https:\/\/www.joannalopez.com\/blog\/2026\/10\/02\/2026-california-proposition-37-explained-could-a-3-down-payment-help-more-families-buy-a-home\/","title":{"rendered":"2026 California Proposition 37 Explained: Could a 3% Down Payment Help More Families Buy a Home?"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>Proposition 37 proposes a state-backed second mortgage program offering up to 17% of a qualifying new home&#039;s price, requiring buyers to contribute at least 3%. Targeting middle-income Californians, it aims to reduce down-payment barriers but is a loan, not free money. The program is limited to new homes and first-time buyers, with income caps around 200% of area median income. It may help some families, including Latinos, but doesn&#039;t guarantee affordability or increased home supply.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/www.parriva.com\/2026-california-proposition-37-explained-3-percent-down-payment\/\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Proposition 37 proposes a state-backed second mortgage program offering up to 17% of a qualifying new home&#039;s price, requiring buyers to contribute at least 3%. Targeting middle-income Californians, it aims to reduce down-payment barriers but is a loan, not free money. The program is limited to new homes and first-time buyers, with income caps around [&hellip;]<\/p>\n","protected":false},"author":188,"featured_media":67,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-66","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.joannalopez.com\/blog\/wp-json\/wp\/v2\/posts\/66","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.joannalopez.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.joannalopez.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.joannalopez.com\/blog\/wp-json\/wp\/v2\/users\/188"}],"replies":[{"embeddable":true,"href":"https:\/\/www.joannalopez.com\/blog\/wp-json\/wp\/v2\/comments?post=66"}],"version-history":[{"count":1,"href":"https:\/\/www.joannalopez.com\/blog\/wp-json\/wp\/v2\/posts\/66\/revisions"}],"predecessor-version":[{"id":68,"href":"https:\/\/www.joannalopez.com\/blog\/wp-json\/wp\/v2\/posts\/66\/revisions\/68"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.joannalopez.com\/blog\/wp-json\/wp\/v2\/media\/67"}],"wp:attachment":[{"href":"https:\/\/www.joannalopez.com\/blog\/wp-json\/wp\/v2\/media?parent=66"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.joannalopez.com\/blog\/wp-json\/wp\/v2\/categories?post=66"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.joannalopez.com\/blog\/wp-json\/wp\/v2\/tags?post=66"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}