Housing Trust of Santa Clara County - Programs - First-Time Home Buyer Assistance

Mortgage Assistance Program (MAP)

The Housing Trust of Santa Clara County's Mortgage Assistance Program (MAP) is one of the four loan products currently available from the Housing Trust, and is a conventional second loan. Funds are currently available.

	Maximum Income by Household Size
Household Size	1	2	3	4	5	6	7	8
Income Limit	$ 88,200	$ 100,800	$ 113,400	$ 126,000	$ 136,100	$ 146,150	$ 156,250	$ 166,300

Who it Helps

First Time Homebuyers earning up to 120% AMI who have not owned a home in Santa Clara County in the last three years. As shown above, the household income for a four-member household cannot exceed $126,000; or the income for a single-member household cannot exceed $88,200.

How it Helps

The Housing Trust has established the Mortgage Assistance Program to help homebuyers finance their first home or condominium. Second loans of 17% of the purchase price up to $85,000 are available under this program. The MAP is a conventional second mortgage, with interest and principal payments due monthly. The interest rate on the MAP will be 1% above the interest rate on the first loan and carries a thirty-year term. Your loan officer or mortgage broker will submit an application on your behalf.

For more details, please download the program guidelines here.

To download an application, please click here.

For more information, contact the Homeownership Program Manager at (408) 436-3450 ext. 230.

Homebuyer Calendar: Visit our calendar to see monthly scheduled workshops and HUD approved homebuyer education classes: Click Here.