Housing help available in San Juan Capistrano.

The City of San Juan Capistrano's OC Mortgage Assistance Program (MAP) provides $120,000 (low-income) / $80,000 (moderate-income) in down payment assistance, 3% simple interest, 30-yr deferred, 1% min down payment. Eligibility: First-time buyer; income-qualified.

The City of Countywide's CalHFA MyHome Assistance Program provides Up to 3.5% of purchase price in down payment assistance, deferred silent second. Eligibility: First-time buyer; used alongside CalHFA first mortgage.

The City of Countywide's Destination Home provides Up to $832,750 in zero down payment, zero downpayment required. No MI (mortgage insurance,) below market 30yr fixed rate. Eligibility: 150% AMI ($207,900) income limit. If property is in eligible LMI census tract there is no income limit. Owner occupied. Minimum 600 credit score, owner occupied 1–2-unit, condo, and planned unit development. Eligible counties: Orange, Riverside, San Bernardino, Los Angeles, Alameda, Contra Costa, Marin, Santa Clara, San Mateo, San Francisco. Reach out to Nick Petronis from Flagstar Bank today to see if you qualify.

The City of Countywide's GSFA Platinum Down Payment Assistance Program provides Up to 5.5% of the first mortgage loan amount in down payment assistance, second mortgage; some occupations (educators, first responders, healthcare) qualify for a non-repayable gift version via the "Select" feature; standard version has no income limit. Eligibility: Available statewide, including all of Orange County, through GSFA-participating lenders; not tied to a specific city.

The City of Countywide's Habitat OC CalHome (Manufactured/Mobile Home) provides Up to $55,000 in rehabilitation loan, 0% interest, 20-yr forgivable. Eligibility: ≤80% AMI.

The City of Countywide's Habitat OC CalHome (Single-Family) provides Up to $45,000 in rehabilitation loan, 0% interest, 30-yr deferred, no payments until year 30 or transfer. Eligibility: ≤80% AMI.

The City of Countywide's OC Safe Homes for Seniors provides Up to $20,000 in home repair grant, grant. Eligibility: Senior homeowners; accessibility/safety repairs.

The City of Countywide's SB 13 ADU Impact Fee Exemption provides No impact fees for ADUs 750 sq ft or smaller (JADUs 500 sq ft or smaller); proportional fees above that in adu fee waiver, automatic under state law; no application required. Plan-check and building permit fees still apply. Eligibility: Any ADU in any Orange County city.