County of Santa Cruz First Time Home Buyer (HOME) Program OUT OF FUNDS

Please Note: Program limited to narrowly defined areas.

Maximum Amount

Up to $265,228 for 3BR home. Less for 1 BR and 2 BR homes


  • Deferred, low interest rate long term loan.
  • Up to $265,228 in down payment assistance for 3BR, 2 BR $295,017 1BR $168,600

Participating Lenders

Customer’s Lender of Choice

Approved Education Providers

Contact Porcila Wilson at 454-2217 or

Program Provider Contact

Porcila Wilson, 831-454-2217, or