Housing Trust Fund of Santa Barbara County North County Workforce Homebuyer Down Payment Loan Program

Program limited to narrowly defined areas.

Maximum Amount

Up to $100,000 (20% of Purchase Price)


  • The program removes financial barriers to the dream of homeownership by lower home acquisition and carrying costs.
  • The program enables qualified families to purchase a home that provides a stable residence that strengthens the family, the neighborhood and the community.
  • Homebuyers who purchase a home within the Housing Trust Fund with a down payment loan from the North Coast Workforce Homebuyer Program may be eligible discounts on First Mortgage loan processing and credit report fees, the buyer’s Re
    Estate Broker commission and Home Inspection fees if their employer is a member the Coastal Housing Partnership. The Coastal Housing Partnership is one of the Housing Trust Fund’s community partners. To determine if your employer is a member of Coastal Housing Partnership, you can contact info@CoastalHousing.org or call (
    969-1025. More information about the Coastal Housing Partnership is located onli
    at: https://www.coastalhousing.org.

Participating Lenders

Approved Education Providers

Program Provider Contact

Yvette Lounsbury, Homebuyer Loan Administrator (805) 845-3585
OR Housing Trust Fund of Santa Barbara County, P. O. Box 60909
Santa Barbara, CA 93117 Website: https://www.sbhousingtrust.org/