Housing Authority of the County of Santa Cruz

The Housing Authority offers programs providing assistance in obtaining affordable housing throughout the entire County of Santa Cruz. To learn more about any of the Housing Authority's programs, please visit the Housing Authority's website.


California Housing Finance Agency (CalHFA)

CAlHFA is a state agency that provides financing to assist homebuyers statewide. To learn more about any of the CalHFA programs, Please visit the CalHFA website for the latest information regarding their programs.

  • Mortgage Credit Certificate (MCC)
  • School Facility Fee Down Payment Assistance Program
  • California Facility Fee Dow Payment Assistance Program (SSF)

Mortgage Credit Certificate (MCC)
The Mortgage Credit Certificate (MCC) reduces the amount of Federal income tax you pay, thus giving you more available income to qualify and pay for a mortgage loan.

School Facility Fee Down Payment Assistance Program (SSF)
Fist Time homebuyers who purchase a newly constructed home may apply for grants of $4,000 to $5,000 from CalHFA. These grants were approved as part of Proposition 46, which votes approved in 11-2002.

California Homebuyer's Down Payment Assistance Program (CHDAP)
CalHFA also offers as small loan for eligible first time home buyers. The loan is for 3% of the home purchase price. It charges a 3% simple interest rate an no monthly payments are required for up to 30 years.


Every day, the 2-1-1 toll-free help line connects thousands of Santa Cruz County residents to housing, food, child care, and other information and referral services. This is a free and confidential referral service that connects people to health and human services in Santa Cruz County 24 hours a day, 7 days a week. For more information please visit the 211 website.