MUNICIPAL HOUSING ASSISTANCE — ORANGE COUNTY, CALIFORNIA — 34 CITIES

OC HOMEOWNER
GRANTS & ASSISTANCE.

Down payment assistance, emergency home repair grants, and municipal homeowner loans — offered city by city across Orange County. Pick your city below and see what is available to you. And to see more about the four kinds of help, by the numbers, visit Types of Help.

Free to search. No account needed. Programs are run by the cities and county themselves.
Provided by Bruce Clark and Veronica Ruiz | Real Broker

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34 CITIES.
ONE SEARCH.

Virtually every incorporated city in Orange County — from Aliso Viejo to Yorba Linda — runs or refers to its own housing programs. The form below checks them all!

SEARCH PROGRAMS

A few examples of what's available: search above to see your city's full list

Anaheim
My Anaheim Home (First-Time Homebuyer)
Down Payment Assistance · First-time buyer; no home ownership in prior 3 years; min. 3% buyer down payment
$50,000
Countywide
GSFA Platinum Down Payment Assistance Program
Down Payment Assistance · Available statewide, including all of Orange County, through GSFA-participating lenders; not tied to a specific city
Up to 5.5% of the first mortgage loan amount
Irvine
Residential Rehabilitation Program
Home Repair Grant/Loan · ≤80% AMI; owner-occupied single-family/manufactured home
Emergency grant up to $5,000; deferred loan up to $50,000

WHAT TO LOOK FOR

FOUR KINDS OF HELP

01
DOWN PAYMENT ASSISTANCE
City, county, and state programs that help first-time and income-qualified buyers cover the down payment and closing costs, often as deferred or forgivable loans.
02
EMERGENCY HOME REPAIR GRANTS
Grants for health-and-safety repairs — roofing, plumbing, electrical, accessibility — typically for owner-occupants who meet income limits.
03
MUNICIPAL LOANS FOR HOMEOWNERS
Low- or no-interest loans from a city or the county for repairs and code corrections, repaid over time or deferred until the home is sold.
04
ADU INCENTIVES FOR HOMEOWNERS
Help adding an Accessory Dwelling Unit (ADU) or Junior ADU: state-law fee exemptions for smaller units, plus city fee refunds and free pre-approved plans in some cities.

Most programs serve owner-occupants and first-time buyers who meet income limits. Funding is limited and often first-come, first-served — when a program opens, being ready matters. Programs are run by individual cities, the County of Orange, the State, and partner nonprofits.

CONTACT — QUESTIONS & CORRECTIONS

CAN'T FIND YOUR
CITY'S PROGRAM?

Send us a message — tell us your city and what you need, and we will help you track down the right municipal office.

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