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
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
