Homeowner Programs

Homebuyer

The County’s Mortgage Assistance Program (MAP) provides silent (deferred payment) downpayment assistance loans to assist low- and moderate-income first-time homebuyers (FTHB). The loans are designed to help with the down payment to purchase a home.

Up to $120,000 in down payment assistance for low-income households (80% AMI).
Up to $80,000 in down payment assistance for moderate-income households (120% AMI).
The 3% simple interest, deferred payment loan has a 30-year term.
Homebuyers must occupy the property as their primary residence.
There is a 1% minimum down payment requirement for this program, and the total sales prices shall not exceed 85% of the Orange County median sales price for all homes.
All applicants are required to attend a homebuyer education workshop and housing counseling session.

Income Limits

Household Size	Low-Income (80% AMI*)	Moderate-Income (120% AMI*)
1	$104,200	$116,400
2	$119,100	$133,050
3	$134,000	$149,650
4	$148,850	$166,300
5	$160,800	$179,600
6	$172,700	$192,900
7	$184,600	$206,200
8	$196,500	$219,500

*State HCD Income Limits as of June 2026

Eligible Areas

Brea
Cypress
Dana Point
La Palma
Laguna Beach
Laguna Hills
Laguna Woods
Los Alamitos
Placentia
San Juan Capistrano
Seal Beach
Stanton
Villa Park
Yorba Linda
County of Orange Unincorporated Areas
- Map of unincorporated areas: OC Land Insights

Eligible Units

Single-family properties
Condominiums
Planned unit developments (PUDs)

Before Applying

In no particular order:

Complete Homebuyer Education Workshop.
Schedule a One-on-One Housing Counseling Session. To find a housing counseling agency near you please call 800-569-4287 (202-708-1455 TTY) or search online.
Shop for a real estate agent and mortgage lender (must be a participating lender).

Program Information

If you are interested in the obtaining more information, please contact our program administrator, Sherluna Vien at sherluna.vien@occr.ocgov.com or 714-480-2936.