Santa Ana Downpayment Assistance Program

First-time homebuyers in the city of Santa Ana may be able to utilize this down payment assistance program. Up to $40,000 as a 0% interest loan is available on a first-come, first-serve basis.

In order to qualify, the applicant must be using the property as their primary residence. Applicants must also be first-time homebuyers, have not owned a house in the prior three years, have been pre-qualified for a mortgage, have acceptable credit, and fall within certain income limits. A minimum of 3% of the down payment must be paid using the applicant’s own funds. Further, a Homebuyer Counseling Program is required.

The house being purchased must be a new or existing house or condo in Santa Ana. As of 2020, the price cannot be more than $499,000.

As of 2020, the total annual household income limits are as follows:

  • 1 person household: $54,600
  • 2 person household: $62,400
  • 3 person household: $70,200
  • 4 person household: $78,000
  • 5 person household: $84,250
  • 6 person household: $90,500
  • 7 person household: $96,750
  • 8 person household: $103,000

Annual household income is defined as any income earned by anyone in the household age 18 and up, even if they’re not listed on the mortgage loan.

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