County of Orange Mortgage Assistance Program (MAP)

Need Help Finding Down Payment Assistance?

Education is our passion – You can arm yourself against deceptive and unethical “Real Estate Professionals” by educating yourself about the home buying process.

These informative and convenient on-line classes will empower you with the ability to make educated financial decisions about choosing a lender, real estate agent, loan program and understanding everything that happens during the home buying process. Bookmark this page and check back often for new dates, times and classes.

Schedule of Homebuyer Education Classes – Click Here

Program Highlights

Program Summary

Silent second mortgage loan program for low-income first-time homebuyers; principal and interest payments deferred for term of loan due in 30th year or upon sale or transfer of property, when property ceases to become owner-occupied, or upon repayment or refinancing of first mortgage, whichever comes first.

Program Details

Eligible Buyers:

All buyers on title must be first-time homebuyers defined as follows: • Someone who has had no ownership in a principal residence during the 3-year period ending on the date of purchase of the property; or

• A displaced homemaker (see CalHome Definition) who
owned a home; or

• A single parent (unmarried or legally separated) who
owned a home with custody of minor child(ren); or

• An individual who has only owned a mobile home.

Maximum Assistance: Up to $40,000

Interest Rate: 3%  Simple Interest

Income Limits:

Household Size:                     Income:
1                                 $52,100
2                                 $59,500
3                                 $66,950
4                                 $74,400
5                                 $80,350
6                                 $86,300
7                                 $92,250
8                                 $98,200

Payments/Recapture: Silent Second no monthly payments.  Loan is due in 30 years or sooner if property is sold or transferred

Eligible Properties: Family must purchase an existing single family detached home.  Condominiums & town homes are permitted.

Eligible Cities/Areas: County of Orange unincorporated areas (not yet incorporated into a city) and the cities of Brea, Cypress, Dana Point, La Palma, Laguna Beach, Laguna Hills, Laguna Woods, Los Alamitos, Placentia, Seal Beach, Stanton, Villa Park and Yorba Linda.

If you have questions about this or any other down payment assistance programs that may be available in your area call us at 1-866-667-6724 or Click Here if you would like us to research programs you may qualify for.

For a complete list of upcoming no-cost on-line home buyer classes, follow this link – Upcoming First Time Homebuyer Classes