First Time Home Buyer Resources

Financing Options for First Time Buyers (No-Down, Low-Down loan options)

• Mortgage Resources for First Time Home Buyers
• FHA Loans (financing up to 96.5% of purchase price)
• California Housing Down Payment Assistance Program
• CalSTRS First Time Buyer Program (for teachers)
• USDA Loans (100% financing)
• VA Loans (100% financing for military veterans)

Santa Cruz (County)

• Housing Authority – First Time Buyer page
• Redevelopment Agency – Affordable Housing Information
• Measure J Housing Program – Brochure
• Planning Department/Housing Information Page
• Mortgage Credit Certificate
• First Time Buyer Downpayment Assistance Program

Capitola

• Community Development Housing Program

Santa Cruz (City)

• First Time Homebuyer Programs
• Housing and Community Development
• Measure O Inclusionary Housing Units (PDF document)

Scotts Valley

• Affordable Housing Plan (PDF document)
• First Time Home Buyer Qualifying Spreadsheet (PDF Document)

Watsonville

• First Time Homebuyer Program
• Affordable Housing